I have maxed out Roth the last two years. My wife and I both utilize work retirements (I have 401k with 50% match up to 6%, my wife has pension -- right now depending on what happens to Kentucky pensions). I do a LOT of shifting of money from checking to saving to hopefully keep a decent amount in saving for emergencies.
We knew the last 4ish years would be rough raising kids and trying to aggressively pay debts. This last year was the roughest and will ease up come June. We currently pay nearly $30,000 a year in childcare costs and student loan payments. One child comes off childcare in June, another in June 2020. So, things will get MUCH better over next two years. By July 2022, we hope to be student loan free and shortly after will be childcare free.
Looking forward to that. It'll be great. We live fairly frugally. Rarely eat out. Enjoy spending quality family time. Choose not to do much for holiday gifts and do family functions/trips instead. We will upgrade our house situation in the next few years when kids get bigger and debts are lowered.