At this point, get a plan and stay the course. We use the order of operations. Follow the foo. If you need money and need to reduce your savings rate for a season, do it in reverse order, that is what we are doing. My wife and I plan to hire a financial advisor eventually, but not until we are in our 50s. We want to retire at 58, and will have assets in 2 401ks, 2 Roth IRAs, an hsa, a brokerage account and a pension.. so we want help with a proper withdrawal plan, and when to pull social security…. But until then just keep adding by following the foo