u/Cman0518

I am 45M and my wife is 47F. We have been pretty good savers from our 20s and are really starting to think about the next 10-15 years. Our goal is to retire when I am 55-58 and when she is 57-59. I think the goal is reachable and would like everyone’s thoughts/opinions. We have 3 children (9F, 14M, 16M) and live in a MCOL area. One huge benefit/perk we have is that my wife works full time at a local private college which would give us the ability to send our children to college there (or others through tuition exchange program) for free and the only thing we would pay for is room and board.

Current Finances
- 401k/403b/Rollover IRA/Roth IRA - $1.6M (80k in Roth)
- 529s - $80K
- HSA - $10k (Just started last year saving and taking advantage of this)
- Brokerage/HYSA - $70k

We save about $30k-35k per year with majority of that (~$20k) going toward 401k/403b. We have the $1.6M split 80/20 stocks/bonds and mostly in ETFs. Our monthly expenses are around $15k but as we pay our house off I believe this will go down to around $12k/month not including inflation.

I guess my question is can we start pairing down on the 401k/403b side and save more on the brokerage side (I think the answer is yes). All of the coast fire and fire calcs that I have complete say we will have about $4M-$5M by the time I am 58. What are your thoughts??

Does anyone have tips for generating executive level slides through copilot? I’m looking for a balance of bullets, topics, and ability to “tell a story”. I’m in program management in IT and am having trouble with Copilot assisting me in this.

Output tends to be overly simple or very complex and detailed. I need good visuals (gantt charts, risk registers, and callouts) intertwined but can’t even get a good example out of copilot after trying multiple times.