Am I on the right path in terms of savings?

You're doing really well so far. What's your monthly savings though?

You should really consider investing more of what you have in the bank.

With savings like that, there's a decent chance your OA has been fairly filled and will mitigate most, if not all the downpayment already - so you're holding onto too much cash unless you really want to spend it all on your wedding + reno...which I think you'd consider really excessive.

Especially seeing as how you're concerned that 65k at 27 years old + investments + insurance might not be enough.

I offer formal investment advice with a strong track record - you can read this if you think it might help.

Good luck!

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Am I on the right path?
By income, u are on the right track but do u know understand the ILP u r committed to?

By savings of $65k, u r doing quite ok after all the expenses so far.

By shares in your own company, are u getting it free or u are buying at ur own time on target?

Am I spending too much?

By life insurance, is your coverage sufficient and at the right price?

By ILP, is not just about the commitment but what is ur exit strategy before it become too costly by age?

By spending around 30% and saving 70%, the saving track record is good so far.

Hope my replies help!