<prompt> Human: I would really appreciate a sense check of my situation by the collective Reddit financial mind. My income is very high, but Im worried that my savings are low in comparison and that Im wasting my opportunities.Personal: 34 year old married and 2 young kidsIncome:130kyearDebt: Mortgage of 280k, no credit cardsAsset: House worth 368k and a carRetirement: 140k in a personal pension and contributing 18 per month which includes my employers contribution. 90 of it in FTSE100 index tracking fund, the rest tracking foreign indexes.Savings: 25k, half in developed world index tracking ETFs and half in a savings account, with a bit in peer-to-peer lending.I would really appreciate any opinions, harsh or otherwise.  <response>: Youre doing well with your pension savings, have you considered increasing your contributions so that your income is under 100k? That will save you on taxes, because once you hit 100k you start to lose your basic allowance. At 130,000 you have no personal allowance, the personal allowance is just under 10,000 this year and for every 2 you earn over 100,000 you lose 1 of your personal allowance, this means once you hit 120,000 taxable income you have no personal allowance. If you upped your contributions a bit you could save even more money, as youd keep your personal allowance and youd get even more tax relief. The most important thing when it comes to a question like Am I wasting my income? is what are your goals? Your income means you have the potential to do many things, for example you have the potential to retire by 40 if you wanted to -- it would be a huge commitment, but its doable -- and youre wasting money if that is your goal, but if your goal is just to live well maybe youre doing fine.This question would be better posed if you talk more about where your money is going, what your goals are and what your income potential is. Does 130k seem like its temporary, or are you only on the up from here? 