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Man you really stretch that 150k. Surprised there is any extra..

You have accumulated nearly $1M net worth in your mid-30's with multiple kids and a stay at home Mom on $150k. You are crushing life. I have no advice.

Did your wife work prior to staying home at kids? I’m impressed by the figures regardless but it would make more sense of how you got here today.

HSA is would be the primary tax advantaged approach if you have a HDHP. It’s the most tax effective savings vehicle in the entire code.

I wouldn’t buy the beach condo…at least at this stage. You’ll just create unnecessary stress in the short term.

$15K in cash is light for emergency fund…but you could also house that cash in money market funds in a taxable brokerage earning 5% on the short end of the curve.

5.5% on the house is a solid risk free return. I’d likely build a bit of cash in taxable brokerage is a money market and then put some extra towards the mortgage. 5.5% risk free paying down the house is good enough for me in the short-term with a lot of economic uncertainty. The primary drawback is you lose access to that cash which is why I recommend boosting the cash savings first. You could also split your available cash flow and fund half to brokerage and the other half towards the house. Kind of a bond like asset in terms of managing your market risk if you have any concerns there.

I have no advice but your budgeting/portfolio is goals.

Fund a spouse Roth IRA before taxable brokerage.
Max your HSA but pay medical expenses out of pocket. Keep HSA invested to gro tax free. It is best account going w triple tax advantage (no tax contributions, tax free growth, and tax free withdrawals). Save medical receipts and take tax/penalty free withdrawals in future.

E erything looks great but I would try to build up the cash a bit. Say up to $50K . ladder up some CDs would t be bad but I would try to be a little more liquid.
I was financially just starting out in my 30s.

Damn man, mid 30's here with higher household income due to a working spouse and you are really making me feel like a failure . Was there an inheritance in there or something?

I would love to see this budget. Assuming 20% taxes, that leaves $10k/month take home.

after a $2,000 house note (assumption), 529's, and retirement, that leaves $4k per month. With a wife and 2 kids.

I don't see how that's possible in 2023. Maybe the kids are really young and don't require anything yet?

very good job

forget the beach house. it is a suckers game that few profit from---rent the best beach house u can find a couple of times a year and forget owning one