<prompt> Human: I am struggling with how best to plan for my future and am looking for advice. Its simple really, my wife and I grew up very differently. She had lots of money and I did not. As such, it can be difficult to see each others perspectives given our own life experiences.In short, we have been together 11 years and have two little ones 3 and 1. We own our home and have 480k left on the mortgage over 26 years. Combined income is 210k. We share everything and only have one checking and one savings account.She grew up very wealthy and her parents advised us a while back that we have 15-20M trust in her name that will turn over to us on her 45th birthday. We have known this for awhile so it is not any major revelation. Despite this, I still try and follow the traditional PF and FIRE mindset in a lot of ways, including maxing out 401ks, IRAs and utilizing other long term savings vehicles. My wife is supportive of it and thinks it is a good idea mainly because she knows I am proud to save and plan for our familys future, although she is pretty disinterested herself. She has asked me a few times whether I think its worth it to save a few hundred bucks a month for an IRA or would we be happier in spending that money on things that would make us happier now I.e extra ski trip each year, new golf clubs, home projects, etc.As time goes on I am starting to see her point- what is the value in sacrificing and scrimping now to have 300k more in an IRA 30 years from now when that figure will be only a small fraction of our portfolio? Is this me getting too comfortable with the lifestyle she has always had and I have now become accustomed to, or do I need a reality check and should continue to take additional measures to max out all tax advantaged savings vehicles despite the overall impact it will have long term for us?  <response>: All I can say is dont count your chickens before they hatch. Whether it be some unexpected bad luck to the in laws, infighting in the family, a crash of whatever fund the money is in, a divorce or any of a number of things there are no guarantees in life. That said, I would struggle just the same as you. Its hard to not see the windfall and alter your habits because of it. I would definitely struggle in your shoes. The cost now is large, but the benefit later is relatively small compared to 20M. Tough one friend. 