“We do not expect substantial inheritances from either of our families. Should we be saving more each year?” (Photo subjects are models.) - Getty Images Dear Quentin, My wife and I are both 40 years old with three young children. She is a doctor and partner at her practice. Because of this, we are able to put more than the standard maximum into her 401(k) each year (typically about $60,000). I also max out my 401(k) at the standard maximum. Between our two accounts, we have about$1 million. We are putt ...