26 year old  
Base pay $135,000- I’m able to increase hours worked for additional pay, cash out unused PTO, and got annual $2500 bonus, expecting to increase pay to \~ 150 this year 

Total invested: $75,300  
Total Cash: $16,000

401k: $49,000 7% contribution 100% match up to 5%  
Roth IRA: $7,100 contribution max  
HSA: $6200 contribution max   
Taxable brokerage: $12,000 $100/month   
ESPP: $1000 (recently sold 80% to reinvest)  
HYSA: $12,000 (intend to double at end of year, pay inc due to extra hours and PTO/espp payout)  
Checking: $4,000

Debts  
25k student loans \~5%   
27k auto loan 4.9%

Future plans:  
Will be married to my partner soon who works full time in the same field at $125,000 and will likely stay +/- $10,000 of my salary. 

Home purchase at 30 with \~$80,000 down and total price in the 600s

kids at 32 

Really not sure what to expect for retirement spending, planning on having a paid off house and similar spending to now 

Coast Fire calculators all have my FIRE number between 42 and 49, even when using calculators that account for additional expenses(kids, house money). I’m skeptical retiring that early is feasible without increasing my savings. Am I missing anything big with these projections? 

How realistic is this?