My best financial decision was to max out my yearly 401k contributions. Plus the company I’ve worked for give me an additional $5k match along with 3-5% of my total compensation on a yearly basis. I’ve worked for the same company for 24 years, so I have a lot saved. My wife did as well, but she stayed home with the kids for the past 15 years. Between the two of us, we are really far ahead.
I will admit that my biggest fault has been not contributing a lot to a 529 plan. My daughter was recruited to a private college to play D1 field hockey. With the money they have given (like 40%), I’m still playing $40k a year. That is painful. Student loans suck because our income and savings are a lot, so we were quoted 7%+ interest rates. Fuck that.