<prompt> Human: Hey guys, this is a throwaway account. But I would like to get some suggestions regarding my personal investment.My personal household income is 200kyr combined between my wife 75k and I 125k. We have a daughter who is 10 months old and both of us are 28 yrs old. Our combined expenses tally upto roughly 1 persons pay check which means we are able to save roughly half of earnings. My wife manages my our savings and its pretty much sitting in our bank account. Im terrible at savings and I consider it as an expense. My goal is grow to a point where I dont have to worry about savings as factor in my retirements. I do understand that I can think aggressively when Im young but the older I get I need to plan my life and savings properly.I just created my 401k account for my wife and invested 15.Im completely lost on what I should do for investment. I would hate to sit on it in the bank account. I have no intentions of paying off my house. I want to move to a nicer house in another 5 years.I have considered investing in stocks and bitcoins but I just dont have the time to follow those actively.I can provide additional details if required but please help out a n00b here.My life have been driven by the motivation to make more money and never bothered to plan that money better.Also, my wife is not a great financially planner, she just likes money in savings account and that has made her from spending any money on disposable stuff. Also she gets mad at me if I spend on some disposable items. I had to fight and take the financial planning from her so that she can spend freely and enjoy some of what we work for. Our lack of planning has become a burden on us. We dont know how much we make or spend but we just look at the savings balance and feel good. When it doesnt grow, we freak out. EDIT: More frustrations, poured out. EDI 2: Thanks for all your advice guys. I have opened up a 529 account for my daughter. I have looked into 401k and trying out YNAB. Are there any suggestions on Life Insurance? Assistant: Our lack of planning has become a burden on us. We dont know how much we make or spend but we just look at the savings balance and feel good. When it doesnt grow, we freak out. Sounds like you guys would benefit from making up a budget. That way you both have peace of mind that all of your expenses are covered and make sure youre not over-spending needlessly, you can budget for monthly contributions to your various savings accounts so you feel good about seeing it increase every month, and you can also budget funsplurge spending money so you can enjoy the fruits of your labour.Human: We budgeted a number of times but we dont know what a good percent for disposable income is. We dont spending for months and in spurts we buy stuff but not a lot. I really want to enjoy the fruits of our labour, I dont want to look back and feel like I have missed the fun I could have had.What is fair disposable income percent? I know it can wildly vary but i just wanted to gauge.  <response>: Make a budget. Plan how much money you need to saveinvest to reach YOUR self-designated money goals. The rest can be disposable income and you dont have to feel bad.Sit down and ask yourself. In 1,2,5,10,20,30 years, whats the point of this money? My goal is grow to a point where I dont have to worry about savings as factor in my retirements.This is a half goal. You dont have to worry about saving. Thats great. So what are you spending your money on? Most importantly, ESTABLISH ALL THESE GOALS BASED ON YOUR NEEDS AND WANTS, AND NOT WHAT THE REST OF US ARE DOING. Its not a race. Enjoy life, on your own terms. 