Have we hit coast fire or far off?
Financial snapshot
37m and 36f. Two kids (17 and 4). Our annual salary is 280-300k. Our monthly spending is about 7k with groceries and everything else. Take home around 15k after maxing 401ks, healthcare and taxes. Saving approximately 8k a month but living very frugal that is costing us our marriage being cheap
Assets:
- 330k in retirement vehicles. (100k Roth rest traditional)
- 120k taxable brokerage
- 40k emergency fund
- 15k precious metals
- 260K townhome fully paid off
- 40k 529 for 17 year old daughter (going to community college and state school while living with us
- 15k 529 for 4 year old
- own two other vehicles free and clear
Debts
- one car for 26k at 0% interest.
Notes: I work for the federal government so will be able to get healthcare during retirement beginning at 57. I will receive around 3600 with survivor benefit for wife for a pension and anticipate I’ll need around 10k a month in retirement.
Question - have we hit our coast fire number? Can we now just do the employer match while continue to max our Roth IRAs (60k in Roth IRA specifically) to retire by 57 in 20 years?
I didn’t start investing until 2024 and grew our net worth pretty considerable over the last two years but it’s costing me my marriage. We don’t go out to eat or do vacations just been saving and I need to find a better balance but not sure if I can let off the gas pedal yet to make up for lost time