Is It Okay to Move Past the Retirement for Most People?

We're talking of royalty here. If your husband and i are already saving 25 % toward retirement, but have not mased out our four o one case or we o ka to start contributing to an after tax broker's account and our son's five 29 account. How do you counsel someone to think through that end? Is that an ok time to start building up college assets? Or should they focus on that third bucket? Like, what would the tell them to do?