Thanks all for you advice.
In terms of retirement, we currently have about 820,000 in our 401ks and 85,000 in company stock. No debt except our mortgage. It is high (680,000), but at the moment (which, of course, could change radically) we have about 800,000 in equity.
just shy of 300,000 income, which includes salaries (260,000), side hustles (8,000, but will be closer to 10,000 this year, I think) and rental income (32,000--househack--MIL apartment).