<prompt> Human: Hi rpf, longtime reader here. Throwaway account for privacy. I know the usual advice is Max out your retirement accounts before saving for other goals. But Im wondering if there is such a thing as saving too much for retirement. Im in the incredibly fortunate position to have great and stable income. Here are some rough numbers: Wifes income: 80k My income: 230k including stock and bonusTotal: 300k per yearFor the past couple years, weve been maxing our 401k 18000 per person per year and backdoor Roth IRA 5500 per person per year. There are 2 new things for me for next year: I will be on a HDHP, so I can max my HSA another like 3400 per year, and my new company allows for Mega Backdoor Roth 401k. So if we max out all available retirement accounts, it would look like this: Wifes 401k: 18000 5600 match 23,600 pretax My 401k: 18000 9000 match 27,000 pretax both of us Backdoor Roth 11,000 post tax My Mega Backdoor Roth 401k 27,000 post tax HSA: 3400 pretaxTotal: 92,000 per year mix of pretax and posttaxIs that... too much?Were relatively young 30, own a townhouse with mortgage in a very high COL area, and we dont have any debt or particular savings goals right now. We would like to move to a larger house in a nicer neighborhood, eventually, but probably not for several more years. Housing is by far our largest expense. At what point does it make sense to save in taxable accounts for vague, undefined future goals like Someday I would like a nicer house, versus trying to keep as much from the tax collector as possible? Is there such a thing as saving too much in retirement accounts that I cant touch for 30 more years?  <response>: Is your goal to retire early? If so check it the financial Independence sub 