Mid 30's only debt is home 121k left. We currently max out Roths, 401k, contribute to 529s for kids and brokerage account. Living in low cola. We are contemplating moving up in house currently in a 4/2 1/2 with very close neighbors and increasing travel fund. Current net worth about 850k. Wanting to up the travel budget from 6.5k/yr to 10k and a home in the 400k range may build 4-5/3 thoughts of having to care for future aging parents and a disabled sibling. We have an additional 1000/mo currently could go to house debt, investments or future goals. We do live on a budget and below our means. We dont want to step out of this place to pursue something that could affect future events but I also don't want to feel we are saving so much now and not enjoying or living as we prosper now.