<prompt> Human: My husband and I are both 34. He would prefer to live like a monk; he doesnt like spending any money. For example, we never go out to eat, we argue about running the AC in the summer, we buy meat from the markdown counter, he wants us to cancel our basic cable service, etc. I also dont like unnecessary expenditures, but am more willing to spend within our means. He is particularly worried about retirement saving. I am hoping to get some perspective about our finances to see where we fall.Income: 230KSavings: 125K his 401k 55K his IRA 100K my 401k 20K in brokerage acct, mostly AAPL 7K in his ESPP 20K in my ESPP 40K in our joint savings 40K in our joint checking 40K in my checking 40K in his checkingContributions: He maxes out 401K and IRA every year. He opened an HSA this year and will max it out. I contribute 15 to my 401k He keeps suggesting me to max out He keeps suggesting me to open an IRAProperty: We own a home worth 200K that is a rental property which is turning a very small profit Our primary residence is 450K. Mortgage is 2300moThats it; we dont have car payments or student loans anymore. I dont know what our monthly food, gas, utilities, etc. is. Like I said, Im kinda just looking for perspective on where we fall. And should we be focusing more on retirement savings?  <response>: At 35, the basic rule of thumb is to have 2x your income in retirement savings. Youre above that if you count the rental also, but thats just a broad rule of thumb.Go play with some retirement calculators, you can get some at amazing levels of detail.It sounds like he wants to FIRE, and you dont, which is pretty much a basic lifestyle incompatibility. 