Thank you for your response. I should have mentioned our expected gross income. Im expecting to make approximately $160k in 2025 (this includes bonus). My wife is expected to bring in $91k, before PFL. CA does not tax PFL, and will cover 70% of her salary, the other 30% will be from sick/vacation hours from her employer for 5-6 months. We max out our IRA's, so $15k jointly. I also max out an HSA, $4300 for 2025.
