Just recently rolled over $1MM in our Fidelity account. 36 years old and married with 3 kids. My wife worked for the first 5 years of our marriage and has been a stay at home mom for the last 6. She just started back again as a teacher. Our household income has ranged from$100k - $175k during the last 10 years or so and it looks like we'll be around $250k+ for the foreseeable future now that she is back working. We've tried to always live below our means and stay consistent with saving.

Even when my wife was working before we budgeted all of our basic living expenses based on one income. We always wanted the flexibility for her to be able to stay at home, if needed, and knew that if we fully grew into a dual income then it would be tough to have options down the road once we had kids.

We've always been tithers and have given 10% to our local church and a small percentage to some other organizations. Frankly, that amount of giving has kept us from maxing our roths every year and taking some really nice vacations. However, we feel fortunate and blessed to have never gone a day without having the means to meet all of our needs.

Here's where we stand today:

Roth Index Funds: $40k
Rollover / 401k Index Funds: $873k
Company Stock / RSUs: $86k
Cash: $28k
Home Equity: $100k

Moving forward, we're looking to put more into our Roth savings and just continue to keep things simple. We don't really have an early retirement goal necessarily. I enjoy my job and have an easy 10 minute rural commute. My wife is back in her wheelhouse teaching Pre-K at a really good district. I'm sure we'll wake up at some point in the next 10 years and start to really consider what an early retirement could potentially look like, but we're not going to stress over that too much and just try to enjoy life.

With the recent market gains, we just crossed the $2million mark for total NW! 41(engineer)/39(teacher with 2 kids. Doing it all the boring way with index funds for the most part.

I think one of the biggest changes since passing $1million a few years back is that we have been working towards planning more in depth what we are retiring TO. We've started to list out the things we want to do, not just the big ticket items but thinking about some of the things we want to do day to day. Then we've started to figure out why we can't do some of that now or near future? A big part of the answer now is time, so we are working out how to do more in the time we do have.

To that end, we've expanded our garden further, we got chickens this year (my wife wants animals in retirement), Started early planning for the house/shop we want to build, things like that that we work in our day to day. We took a 2 week multistate national park road trip this summer and had ton of fun with that so we are just not spending, just spending on things that actually matter to us.

NW worth calculation numbers:
Retirement accounts/401k - $1,050,000 (about 40% of this is Roth 401k)
Brokerage/Cash - $370,000
HSA - $35,000
Home Equity - $400,000
529s - $160,000

Obviously my actually retirement planning number is lower when you remove the home equity and 529s from the math. My calculation has us hitting our FI numbers about the time our oldest graduates high school but will probably work till the youngest is finished with high school (2 years). I am thinking jumping to something lower stress in the next few years though to buy some more time, which due to compounding wouldn't really change the timeline as long as we are cover current expenses.

What we've been able to accomplish sometimes amazes me. When I graduated from Rice back in '06 I had a negative net worth of about $35,000 not including home equity. In 19 years we've grown our net worth to over $4MM with just me working and my wife at home with my three girls. We also tithe 10 percent of our increase to our church. I make good money, but sometimes I feel that I don't make enough to have gotten us to the point where we're at now. That, I feel, is explained by providence.


Our breakdown is $1.4MM in 401k and Roth 401k; 422k in Roths; $82k in HSA, taxable assets sit at $1MM; $1.1MM in pension; $225k in home equity.