<prompt> Human: My wife and I are both 36.I have a 2 year old baby with 2nd baby on the way. My wife has good earning potential when she works, but she is currently working half time in order to spend a bit more time with our baby. I expect things to continue this way for the next few years while our kids are small. We are saving about half of what we need to meet our retirement goals. With the 2nd kid, we might stop retirement contributions for a while.My question is this: Am I in a period where its OK not to be saving enough to reach my target? Im inclined to give our family a pass on saving for a few years. With the plan to double-down on saving in upcoming years when the kids are in school and we can both work without paying for daycare. If we both worked and didnt have to pay for childcare we would be able to save a ton. I really would love to hear stories about how other families income changed over the years as their kids got older. Im particularly interested in other families that live in high cost of living cities.  <response>: Thats a workable plan if you really do stick with the idea of hitting retirement savings hard again in a few years. Beware the trap of just using this as a new baseline spending and never restoring retirement savings.Also, keep in mind that company match should probably NOT be skipped. Generally limits on tax advantaged accounts are annual use them or lose them, so if you can find a way to save something you can avoid giving up on a chance to get money into shelter that you wont have again later when you push savings up again. 