Actively trying!

He does have a Roth option. However, we have that amount pretax so that we are in the 12% bracket. I have to keep an eye on my overtime and adjust his contributions accordingly.

So my husband has the option for an HSA, but they aren't kidding when they say high deductible. Just him is 4k with an OOP max of 8k. I envy those whose "high deductible' plan is 1-1.5k.

I've gone back and forth with it, especially since it's his open enrollment. I love the idea of the HSA but I don't want something catastrophic to happen in the meantime (while building up tye HSA) and wipe us out.

Also, a baby would have to go on his insurance (mine is too expensive to add family members). I do not love the idea of an infant on an HDHP.

Thank you! We do have some fun. :) most of our hobbies are low cost (fishing, hiking, etc). so we don't spend much on hobbies. I am planning a good trip for us next year though! Maybe the Keys or a trip to Coasta Rica.

I'm also aware that whenever a kid gets added to the mix that will cut into what we contribute, so I'm buffing up what I can before that happens.

Yes! We have a 6 month emergency fund as well as a sinking fund for house repairs. Thank you!

We are a little behind. We have approximately 70k in different retirement accounts between the two of us.

In theory, we should have our mortgage paid off by then. We have no plans to move and love our house. I would say 2k/month would allow us to live quite well but we could easily get away with less, barring any major catastrophes.

My husband and also has a pension and will likely retire from his job. I also have a pension but I'm not sure I will stay here long enough to benefit from it.

Husband is also eligible for retired employee rates for health insurance, so it will actually be pretty affordable if he/we decide to retire early (which is a goal of ours).