I have been struggling with same topic and here is where I landed up at(specific to US). I have a pretty frugal lifestyle and after my kids go to college, I can

I have been struggling with same topic and here is where I landed up at(specific to US). I have a pretty frugal lifestyle and after my kids go to college, I can live on much less that my current expenses. I have set a limit on how much I am willing to save for my kids. I want to have enough money for in-state college tuition for their undergrad. My kids go to a public school, and I spending more for living in a good school district, but that is cheaper than private schools and the time here is limited . My biggest fear is around the medical expenses as we grow older and my current thought process is that we will move out of US once the kids go to college. TLDR - I need to work for a limited period of time, but see the light at the end of the tunnel.