another “how am I doing” post

45 yr old
HHI is $400 -$600k (sales) includes my wife’s income $150k

She’s in education and plans to retire in 5 years with a pension around $70k. She plans on getting another job of some sort where she can make another $50-$75k (ideally).

401k/rollover IRA = $950k
Taxable investment = $575k

Condo rental worth about $325k (no mortgage)
House worth about $1m ($475k mortgage @2.75% for 25 years)

-Maxing out 401k with company match - $30k yr
-$400 a month in taxable investment account
-529s $350 each kid (2 kids 4 and 10)
-$300 a month invested in VTI separately for my kids to have access to later in life (for whatever comes up— hopefully not bail, but you never know)

Debt- $50k HELOC. I use our rental income to pay that down ($2k per month).

Income just started to jump in the last 1.5 years. Had a larger HELOC that I’ve been throwing money at to get it down to $50k. Work has been going very well this year and expect my income to be higher but that’s not guaranteed. I’m planning on adding $10k to my investment account with my next 2 bonus checks ($20k total) and I’m debating paying down my HELOC more as well, or trying to throw even more at my investment account.

Again, I’m in sales, and this can all end tomorrow.. I acknowledge that I’m not saving enough and I’m trying to take advantage of the good situation I’m in while it lasts.

Let me know what y’all think