Great thread, I'll chime in. Like others, I was feeling pretty decent about things but am now starting to think I might have to up my game (e.g. get another job or a side hustle).
41, married, 1 kid
I'm in sales, wife is a teacher
Own house in Monmouth County, refinanced 3 times in last 10 years
Current rate 2.99, did it primarily to put more money in market
Net worth 1.1 mil, that's obviously skewed by the market being up and home appraisals being sky high
Save about 50 % of net income each year to 401k (work matches 50 %), 403-B, Roth IRA's, 529 college fund, Life Insurance policies (I know not supposed to use them as investment, but I have a few 10 and 20 pays, which essentially forces me to save money)
Wife drives 7 year old Hyundai, i have work car
Goal is to retire by 52 (wife has pension and lifetime benefits), retire in Florida (Tallahassee preferably so I can be near FSU and go to sports / be heavily involved in boosters), while we'd love a second home in hot summer (upstate SC, NC, New England).
Wife parents well off, but they're healthy and I don't see them passing away anytime soon. If nothing catastrophic happens, prob. leave us ~500-750k
Sounds good, but honestly I feel like we're constantly behind the 8 ball. Like we can never catch up, hamster wheel keeps churning, etc. - we do 2 small vaca's per year or 1 longer, nothing more than 7-10 days total and usually go to Florida / somewhere within driving distance
I know the old adage keep at it, keep saving and you'll get to finish line, etc. but I'm telling you I honestly feel like we can never truly get ahead. Home repairs, things for kid, etc. - that's why I'm picking up a side job and wife teaching summer school, i hopes to "get over the hump" if you will.