Wife and I have maxed the Roth IRA ($5,000 for a few years and $6,000 last 2 years) each. But just hit the income limit and can’t contribute anymore. That’s about to change again for 2020 though, as she just quit her job to stay at home with the kid and work part time. We each contribute to company 401k, but that’s pretty minimal in comparison to the Roth
We have investments with 3 different firms, plus a 4th for the Roth retirement. I’d say enough for like a decade of living, but obviously if we had to dip in the returns grow smaller and smaller and a market recession would effect that.
Also have 3 different college funds set up for our first born, that, if needed, can dip into. But that is definitely not the goal lol. At 8 months old, without us contributing any more, he should have around $160,000. Lucky little fuck. I just paid off my loans 2 months ago at 34 lol. We are hoping to have enough for him and the next to get 3 years each paid for. The estimated cost for college is projected to be astronomical in 20 years.