<prompt> Human: This may sound ridiculous, but sometimes I worry we are saving too much for retirement.Here are our stats:-both in our early 30s me 33, wife 31-2 family income, making about 150k in a very high COL area, 2 kids, both in daycare-have 300k in retirement accounts. We max our Roth IRAs every year and then also contribute to our 401ks. Prekids we contributed 20 or more to 401k excluding match, but we dialed back to 10 once the kids came to up our breathing room.-I will get a pension 50 of my last years salary plus healthcare covered for the family once I retire can retire with full pension at 62.-currently rent, very cheaply for our area, from a friend. A mortgage for a home we could live in in a way less desirable area would be at least double what we are paying in rent now-we contribute 300month to our childrens college savings fund. we are not planning on paying for all of college but would like to help, and due to our relatively high salaries, we dont anticipate them getting much financial aid.-we have about 80k in savings in addition to our 6 month emergency fund. that is about 120k short of what we realistically need for a down payment to buy a home in our area.Every once in a while, we fantasize about taking out our Roth IRAs to purchase a home, but then I get cautious about taking from our retirement accounts. But my wife then argues that because of my pension, we need less in retirement accounts than others our age, and we are already doing pretty well in retirement. She worries that we will have too much money in retirement and not enough now.At other times I get nervous that the 10 in our 401ks is not enough and that we should be doing more. Who is right?  <response>: A compromise between status quo and taking money out of the Roth might be just not putting more money into the Roth.Pensions are not usually guaranteed, and things do happen where people change jobs or terms of pensions are revised. 