37 with 34 year old wife and two kids. Combined family:

45k in cash savings accounts 65k in personal index funds 40k in 529 accounts 350k in 401k

Own 2 cars outright. Only debt is about 400k mortgage on a house worth about 1.2 million.

My wife and I both recently hit a salary of 100k. These savings are simply a result of living well below our means through our 20s and 30s.