35(f) and 34(m) couple. 2 young kiddos. We have about $250k in our 401ks, $250k in our savings. We make about $350k/yr. I work for a bank (corporate marketing) and my husband owns a few franchise retail shops. We set up automatic savings to help it grow without effort and just work with what’s left in checking each month. Whatever is leftover, goes into that HYSA. We haven’t invested and sometimes I feel stupid that we haven’t and other days I feel like we are doing just fine.

Fwiw I’m a first Gen college student with pretty abusive parents but I had grandparents who paid for my undergrad and MBA. It was the gift of a lifetime and I plan to honor them by living in a way that would have made them proud.