I missed the part about what your girlfriend says and what your brother says. Some other things to think about…
You have no kids (for now). Make sure that you have alignment on that plan with your girlfriend, because that might not be her plans. And if two of you can’t agree, that’s probably something to think about.
Speaking of which, that girlfriend of yours, assuming it’s not a fly night night girlfriend, will probably at some point, want to live an house that the two of you own. So unless she already owns, in which you can just freeload off of her financial planning, that’s something else to think about.
And lastly, sorry to say this, contrary to what your bro thinks. At 41, with only $50k in your 401k, frankly that isn’t much. And let’s not forget the years when you were posting here that you couldn’t find a decent job because the tech industry went south.
When that tech recession hits again, and it will, it’s probably going to impact you a lot harder this time around. Considering you are 41. You’re not alone in cross the 40 mark as a techie. But for me, I don’t plan on things staying this good in the tech for me as I approach 50.
