u/potatoqueen7

My husband and I are in our early 30s and live in a very high-cost area (bay area, ca)

Current numbers:

* Combined gross income: ~$300k/year

* Net worth: approximately ~$900k

* Invested assets: ~$740k

* Emergency fund: $50k+

* No consumer debt

* Maxing tax-advantaged retirement accounts where possible

* Investing an additional $3,000/month into taxable accounts

We are hoping to start a family soon, so childcare and potentially reduced work hours are on the horizon.

Financially, we feel like we're doing well and are on track to reach a $1M net worth sometime next year. Based on our estimates (I use CoastFI as checkpoints/milestones), we can Coast for age 50.

What we are struggling with is knowing when enough is enough.

For those who have accumulated a similar net worth in their 30s, did you continue pushing hard on savings and investing, or did you intentionally ease off and spend more on your current lifestyle?

How do you decide whether additional investing is meaningfully improving your future versus reducing enjoyment today?

I'd especially love to hear from people who navigated this question while planning for kids.