I dont think we have ever maxed out our savings in any year. Having a kid really crimps that. I am always like "yeah I can put more in the 401k this year... or we can take our daughter to Disney/Universal/volley ball lessons/skiing/on a cruise etc. I was born poor so given a choice my daughter gets spoiled and does all the shit we could never afford to do when I was a kid.
I was born poor as well and way over spend on our son. He is completely spoiled I feel your pain but in the end making him happy makes me happy and that is all that matters.
We max our 401k's every year and put a small amount in an investment account also so talking with the money guy sounds like we will be fine at retirement barring any catastrophes.
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