Is it time to spend money on myself?
Context: I make 400k, wife makes 100k. We have 3 young kids.
Retirement accounts look good, we are in our forever home, college funds are on track. No debt outside the mortgage.
The last piece of the puzzle was the Emergency Fund. I finally got it to 30k (3 months expenses) because I always prioritized getting into this big home over the last couple years, and diligently filling my tax advantaged accounts. I also make a lot of comp in RSUs that get tied up for a while.
I have not really selfishly spent on myself since my kids were born. This year I loved taking my family on vacation, getting access to the beach club, signing up for summer camp, installing a nice big swingset + furniture in the backyard. I love seeing my wife and kids happy.
But now I think I want to finally do it - my dream - the big empty room in the basement can become my Media Room! 83" OLED LG! Sonos surround sound! Big comfy sofa! A place for me to call my own and unwind after the kids are asleep.
But it would require: dipping into Emergency Fund or delaying backdoor Roth contributions or simply waiting until March 2027 when I'll either have enough cash saved up, or a big bonus to more than cover it all.
Am I losing discipline? Am I being irresponsible? Or if I'm on track to be worth 7-10 million at retirement, is it OK to have a nice happy set up 6 months earlier than I would have and take on a little risk with a slightly underfunded Roth / light emergency fund til my 2027 bonus hits?