@childofgodharrison That's the minimum you put in, not the max.
People are saying 15%, but since y'all make over $200k, it should be at least 20%, not including any matches!
At bare minimum, put $23k into your 401k this year, plus $7k each into RothIRAs. Then, look at opening a solo 401k for your spouse or putting the rest into a taxable mix at a broker (Vanguard, Schwab, Fidelity are the big three).
Finally, every dollar should have a job. It would look messy on this chart, but if we asked, you should be able to detail where that nearly $4k went.
Read, ask questions, don't use your family history as an excuse (trust me, it doesn't end well to only attain what they did!).