Good insight so far. I'm 33 this year. MFJ with a 14 month old. I hold a $1MM 30 year term on myself and my wife and kid have a lower and cheaper term as well (kid paid by inlaws). I contribute 12% (6% match) to my 401K with a little extra to a Roth and individual investment fund. Household income is just under $200K depending on bonuses. I have approximately 1 year of salary already saved in a rollover 401K, SDIRA, and rollover roth. There is also a 529 that has a negligible amount in it. To be honest, I don't know any of what my wife currently has and it's my goal to correct that this year.
In regards to the funds available, I don't disagree. It looks like the composition of the 2050 fund is:
Holding Name Percent of TNA
Vanguard Total Stock Mkt Idx Inv 54.35%
Vanguard Total Intl Stock Index Inv 35.69%
Vanguard Total Bond Market II Idx Inv 6.97%
Vanguard Total Intl Bd Idx Investor 2.99%
Percent of Assets in Top Holdings 100.00%
So, I could get close to that by using VOO (S&P 500), a mixture of the small caps for international + bonds, and maybe one of the international funds; however, the 0.66% ER for the cheapest one is just too damn high.