<prompt> Human: Hi everyone,I wanted to get your thoughts on how we are doing; lately Ive feel like the spending never stops and I dont know if we are actually overspending. I think we are in a unique situation and we are currently trying to enjoy life to the fullest before we have kids 2 years out but we are contributing to savings through 401k. We have everything we need and do not have near-in financial goals such as trying to buy a house, a car, etc. My biggest question is, are we saving enough considering the lifestyle we want to live have in the near term and how much we contribute to our 401k through our employer? Can I assume that our 401k investments are enough to feel good about saving? Are we contributing enough to 401k? Two people, mid-late 20s Household take-home income each month 2 pay periods: 7500 Roughly 135k-145k combined income No kids We both contribute 10 in each of our programs 1:1 matched by employer up to 6 for both parties to our 401k - no savingsinvestment funds beyond this one Emergency fund of 12-15k No undergrad student debt 6k of masters program student debt owed to a family member family member is pretty relaxed on when to pay this back Necessities 52, We are homeowners 3 yrs: 1800 for mortgage escrow, 1400 for food we love to eat, cable, gym, gas, utilities, car insurance, etc. Spend about 1400 on food, we love to go out 2-3 nights a Wants 27 - Two new cars, one will be paid off within a year. Monthly car payments total 1069 Debtfinancial goals 5 - Will be paying off a family member for a personal loan for school 6-7k left about 4-600 a month. Currently do not use any post-tax income to put into an investment. Sometimes goes into our savings account Left over cash 1200, or 16It feels like we have everything we need and therefore do not have any financial hurdles to reach, so how must scrutiny do we need to put on our left-over? As mentioned earlier, we love to travel and take a few trips a year and have spent most of our extra money on traveling while we havent padded our savings account beyond an emergency fund. The only upcoming financial goal will be trying to buy a bigger house in 3-6 years. Would love to hear your suggestions!  <response>: do not have any financial hurdles to reachbuy a bigger house in 3-6 yearshave kids 2 years outWhy dont you see these as financial hurdles? Youre not spending a _destructive_ amount of money as you have the income to cover it now, but youre definitely setting yourselves up for a hard adjustment when suddenly youre also paying for childcare andor on reduced income. When youre up all night with an infant it isnt going to be an easy time to start mealprepping.I would definitely be contributing much more to your 401ks andor IRAs. 15 is a minimum, not an optimum. At the very least this will give you the ability to give yourselves an artificial raise when childcare, college savings, and doubling the cost of every trip and every restaurant visit starts eating into your budget. I would also knock out the debt you owe to family. You say theyre relaxed, but at least for me, seeing you drive around in 1000month worth of new cars would be enough to annoy me about your relaxed approach to this debt. In either case this is exactly the kind of thing you dont want hanging over your heads when you have kids and a bigger house. You dont have to live like students but if you plan to have kids, you shouldnt be living like the world ends tomorrow. 