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Kudos for your planning - and execution of those plans. With nearly 170k set aside and your low mortgage to value, you are definitely on the right track. If your budget can allow DH to contnue funding his 401k, you can do this!

As you probably know, raising kid(s) presents challenges to yoiur finances (among other things...), but we raised 2 wonderful kids and also saved for FIRE. We are now 49-50 years old, with one child graduated college and one graduating in a year. We (also from Michigan)have approx 800k in IRAs, 401ks, real estate, and index funds/stocks, plus 175k or so in home equity. We started with IRAs when we were in our mid-late 20's and then 401ks and setting aside surplus income by LBYM. We also invested in some rental properties which did work out well (in hindsight). And - this was done on one income - which only recently has grown slightly above your DH's stated wage.

You are SO on the right track! Continue to LBYM and plan for the future. You and your kids will never regret not having have every latest video toy, clothing fad, SUV, or huge house. There are more important things than having stuff. They will become young adults and respect how you raised them with fiscal savvy. But sosmething tells me, you already know that. Check out the LBYM board here on the Fool. Many good people who share their insight and thoughts.

Best of luck.

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