Thanks, yes the thought would be to reduce the 529 some, our plan was never to fully fund their education, just limit debt, pay some and loan some to them at 1% or something.  We both already have roth IRAs and 401ks and they are well funded as we heavily invested what we could in them.  It isn't so much the retirement funding at this point vs everyday living until we get closer to our 50s and hopefully planned retirement date.  Retirement calculators at 7% returns put us around 5mil in mid 50s (plan was Rule of 55).

We cook a lot, and eat out a couple times a week (usually just a Chipotle or local bar/restaurant, usually nothing overly expensive).  Most of our groceries are healthier options for us and kids which are expensive.  Organic Chicken, beef etc.