u/RealName_Redacted

We live in an area that is at risk of being affected by wildfires this summer, and are working on an inventory list just in case. My question relates to high-value items that were purchased significantly below retail value:

My partner works in the outdoor retail industry and as a result, all of his gear was obtained heavily discounted through pro deals, wholesale pricing, etc. However, he is actively looking for new employment and it is likely that he will no longer have access to those discounts if we needed to repurchase. The difference is significant - ex: between 3 bikes (all less than 2 years old) we would have to spend nearly $8k out-of-pocket to bridge the gap.

Additionally, most of our furniture was scrupulously sourced from marketplace, or gifted by family who is no longer with us. The odds of finding another solid cherry dining room set for free (at least in a reasonable timeframe) is next to zero, but we have nothing showing original value or even an accurate secondhand cost. Will photo/video and an estimated median replacement value suffice?

I recently realized that I had not been contributing to my 401k like I thought I had, and am having some anxiety about where we’re at.

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Ages: 30 and 31

HHI is about $120k (We are both actively looking for higher paying jobs, currently interviewing for roles that would bring HHI up to $185-200k)

I am the only one who has had an employer-sponsored plan, and currently have about $30k split between pre-tax and Roth. After correcting my contributions I have been putting about $850/month (15% of my gross) in, split between pre-tax and Roth, and my employer match adds an additional $225.

Personal investments total about $45k, with a recurring transfer set up for $500/month.

Emergency savings currently funded with about 3 months’ expenses.

Other equity: My partner and I bought a condo in our VHCOL area (ski town) a little over a year ago that currently has about 180k equity and 345k left at a 6.4% interest rate. We did prioritize downpayment savings and early principal payments over other savings in the year before/after buying, and our monthly payment is equal or less than what rent would be for a comparable place. Our plan is to eventually move to a lower COL area and either treat this as an investment/rental property or invest the proceeds from the sale, but that would likely not be for 10+ years.

Cars are fully paid off, no student loans or other debt.

We do not plan to have children.

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I know we may have missed the “retire early” boat unless we see a very large pay jump that allows us to invest aggressively, but we are hoping to recalibrate and set up a strong foundation as best we can. Any feedback, advice, or encouragement?