Spouse and I each make about $74K after 30 years of teaching. We put about $5K monthly into 403b (Vanguard Index 500 Fund). It earned a 12% gain last year. Maxed out Roths: $9K annually (mostly the Vanguard Total Stock Market Fund). Paid off house. New cars, but paid cash for them. No other debts. Other than the cars, we live simply, rarely go out to dinner, paid cash for our kids' college.