I moved jobs and got a $40k raise, so it’s been a good year. My spouse also moved and got a $10k raise. We are now, for the first time (we are in our mid-40s with a toddler) able to max out our 403(b)s and our Roth IRAs. We’re able to put a steady amount into a 529 account for our child’s education too. We don’t have…