FILUSD
Filecoin / United States dollar
crypto Composite

My FIL owned his own building with a small practice. Sold it when he retired which offset losses to retirement accounts during the Great Recession. 

Why chat all day long?
Most of them are junk, lets list any alt that has at fundamentals to back it, and/or a token model that captures value.
BTC XMR
ETH DOT ALGO NEAR
INJ UNI LINK
Maybe SOL TRX MATIC AVAX
Maybe MKR FIL GRT
Ghostchain L1 excluded. Most tokens excluded. Most L2 excluded. All NFT dogshit scams excluded. Most DeFi tokens are cashgrabs, excluded. LTC, DASH and legacy useless alts excluded too. MKR recently excluded.
Everything else is a scam, or at best an unregistered security (a token you hold because a company is behind it and might allocate dividends to it)
You are welcome

Sorry for the long post, but felt like some detail was necessary.
I always feel like the major investment companies overshoot the age bracket and multiples of salary. 30=1x, 40=3x, etc. I held a normal job for most of my career so far, and made between 80-100k while my wife was in college for two different degrees. Now we are both in a stable position and i wonder are we doing too much and missing out on the here and now? I have been making $230-240k for two years now in my new position, and that will likely continue to grow for the foreseeable future, possibly to 350k a year in 5 years based on current trendline of growth/commissions. When I see that I should be 3x+ in two years, I panic. I got started investing late, as we prioritized no consumer debt, no car debt, and having house paid off before I'm 50 with all renovations included in that timeline. Should I use 3x of my average lifetime salary, or how do you square that yourself? I like the idea of more more more in retirement, but wonder how much more we could do now with traveling and seeing the world - tomorrow isn't guaranteed.
My in-laws have 2mm saved, 350k liquid cash, and still working because they don't think they have enough either. They are very very frugal, and we will likely inherit a substantial amount from them. FIL is 67, still working, 150k, and has pension, SS, 401K, + cash, stay at home wife.. My parents, 56/56 are both working, with about 600k saved, no debt at all, and make about 100k combined, I think? Don't want to bank on getting inheritance, but knowing what they have and spend now, it's not going to radically change in retirement and start spending heavy cash amounts overnight.
quick facts:
Income
M(38) $240k gross (salary + commission)
F(36) $109k gross (salary, guaranteed 3% raise each January)
Expenses:
Mortgage, 120k left, 2.25% (market value $350-400k)
Property taxes: \~8k a year (currently escrowed)
no car loans, no credit card debt
Student loans, 20k each. (paying off at normal pace, in recession or pandemic can use deferment to protect non-deferable things)
$300/month for electric, garbage, internet, streaming, and $500 a year for well/septic maintenance.
Savings:
M
$100k 401(k), contribute max per year at 23k
$25k Roth IRA (now doing backdoor Roth), max per year at 7k
$5k HSA, contribute max per year, 4500, and do not withdraw, cash for current bills
$5k HYSA, contribute $150 every two weeks
$20k in regular credit union for day-to-day checking / Savings.
$11k Brokerage, contribute $150 every two weeks
\---miscellaneous -- contribute to two kids' brokerage accounts, $500 a month each -- protecting against them having to support me in retirement, or me having to support them.
F
$100k 401(k), contribute $15k per year + 50% employer match
$2k HSA - employer contribution of $300 per month, use for current expenses for family
no HYSA
no Roth IRA
no Brokerage
\---miscellaneous -- saves $200 a month to each child's 529 college plan

Estimated monthly expenses in retirement, $1k a month property tax, new modest car every 8-10 years, (currently we are both VW drivers). plus food, and all the random items. We don't do expensive trips currently - beaches, road trips, etc. Would like to start traveling overseas while kids are young enough to enjoy with us and continue travelling in retirement. Neither of us have expensive hobbies like RV's, Boating, Horses, or anything like that. The family is content with cooking at home, reading a book, sitting by a fire/lake/watching a movie.

love to hear thoughts / advise.

My FIL owned his own building with a small practice. Sold it when he retired which offset losses to retirement accounts during the Great Recession. 

Why chat all day long?
Most of them are junk, lets list any alt that has at fundamentals to back it, and/or a token model that captures value.
BTC XMR
ETH DOT ALGO NEAR
INJ UNI LINK
Maybe SOL TRX MATIC AVAX
Maybe MKR FIL GRT
Ghostchain L1 excluded. Most tokens excluded. Most L2 excluded. All NFT dogshit scams excluded. Most DeFi tokens are cashgrabs, excluded. LTC, DASH and legacy useless alts excluded too. MKR recently excluded.
Everything else is a scam, or at best an unregistered security (a token you hold because a company is behind it and might allocate dividends to it)
You are welcome

Sorry for the long post, but felt like some detail was necessary.
I always feel like the major investment companies overshoot the age bracket and multiples of salary. 30=1x, 40=3x, etc. I held a normal job for most of my career so far, and made between 80-100k while my wife was in college for two different degrees. Now we are both in a stable position and i wonder are we doing too much and missing out on the here and now? I have been making $230-240k for two years now in my new position, and that will likely continue to grow for the foreseeable future, possibly to 350k a year in 5 years based on current trendline of growth/commissions. When I see that I should be 3x+ in two years, I panic. I got started investing late, as we prioritized no consumer debt, no car debt, and having house paid off before I'm 50 with all renovations included in that timeline. Should I use 3x of my average lifetime salary, or how do you square that yourself? I like the idea of more more more in retirement, but wonder how much more we could do now with traveling and seeing the world - tomorrow isn't guaranteed.
My in-laws have 2mm saved, 350k liquid cash, and still working because they don't think they have enough either. They are very very frugal, and we will likely inherit a substantial amount from them. FIL is 67, still working, 150k, and has pension, SS, 401K, + cash, stay at home wife.. My parents, 56/56 are both working, with about 600k saved, no debt at all, and make about 100k combined, I think? Don't want to bank on getting inheritance, but knowing what they have and spend now, it's not going to radically change in retirement and start spending heavy cash amounts overnight.
quick facts:
Income
M(38) $240k gross (salary + commission)
F(36) $109k gross (salary, guaranteed 3% raise each January)
Expenses:
Mortgage, 120k left, 2.25% (market value $350-400k)
Property taxes: \~8k a year (currently escrowed)
no car loans, no credit card debt
Student loans, 20k each. (paying off at normal pace, in recession or pandemic can use deferment to protect non-deferable things)
$300/month for electric, garbage, internet, streaming, and $500 a year for well/septic maintenance.
Savings:
M
$100k 401(k), contribute max per year at 23k
$25k Roth IRA (now doing backdoor Roth), max per year at 7k
$5k HSA, contribute max per year, 4500, and do not withdraw, cash for current bills
$5k HYSA, contribute $150 every two weeks
$20k in regular credit union for day-to-day checking / Savings.
$11k Brokerage, contribute $150 every two weeks
\---miscellaneous -- contribute to two kids' brokerage accounts, $500 a month each -- protecting against them having to support me in retirement, or me having to support them.
F
$100k 401(k), contribute $15k per year + 50% employer match
$2k HSA - employer contribution of $300 per month, use for current expenses for family
no HYSA
no Roth IRA
no Brokerage
\---miscellaneous -- saves $200 a month to each child's 529 college plan

Estimated monthly expenses in retirement, $1k a month property tax, new modest car every 8-10 years, (currently we are both VW drivers). plus food, and all the random items. We don't do expensive trips currently - beaches, road trips, etc. Would like to start traveling overseas while kids are young enough to enjoy with us and continue travelling in retirement. Neither of us have expensive hobbies like RV's, Boating, Horses, or anything like that. The family is content with cooking at home, reading a book, sitting by a fire/lake/watching a movie.

love to hear thoughts / advise.