Your situation sounds like the very definition of starting out. Reminds me of myself many years ago although I didnít have the spouse, child or debt.
I started from zero but soon met a stockbroker who helped get the idea of investing into my head. At first I just invested the minimum here and there until it became a habit. The important thing for me was that I never touched that money until retirement. Iím sure the collective wisdom here will be helpful. Best wishes on finding the balance you are looking for.
Congrats on enjoying your family, (I peeked at your profile).