Me and my wife are married since nov 2017. I saved some savings before marriage and bought a house on Jan 2018 after marriage. It’s currently under mortgage.

Initial couple of years of marriage we struggled a lot to understand and get each other opinions right. Mostly the issues were due to finances during the initial years of our marriage from 2017-2019.

Since we were having issues due to finances. My wife wanted visibility on how much we both are saving and how we are going to deal with, So we both save in my wife bank. I send 60% of my pay and my wife saves 40% of her pay monthly. We both have access to bank account...

So far so good. I got some bonus from my work. It’s good amount in 2019. So I had to do the same and saved the money in bank account.

So far good.. family life is well.. I am 31 and my wife is 30.. so over an year in 2021 we have good savings. I was scared whether she will utilise the funds to her family or somewhere else. So I booked another house with the deposit saved.. so as to run life with paycheck to paycheck basis..I felt whatever I am doing is good..

we are blessed with baby in 2021... so all happy family..but some cracks in recent days.

But now my question is..should I save with same strategy and buy a holiday home? Or enjoy my life ? Buy car, take care of health, work out and spend time on yourselves ?

The only reason I am worried is. I am not sure how long marriage life goes.. if it breaks up. At least I willl have 50% of properties which we have invested in ? Or should I stop investing as a family and invest on yourself ?

Because when I am 50 I should think oh I should have done that

Please help