<prompt> Human: Hey everyone, sorry for the clickbait title, but I want some advice!Ive been in graduate school for 28 months. My wifes salary is 40k, and my new salary starting this January will be between 195k-225k.Total debt burden: student loans 200k, home 125k, credit cards 50k, vehicles 8k. My current plansthoughts: First check out 1-2k in saving for emergency funds. Close credit cards and pay them off quickly. The wife and I already decided to never spend another 1 on credit again.Max my 401k contribution annually. Initially, I thought to not contribute until the CCs were paid off. But investing pre tax at my 28 tax bracket tax with credit card interest at 20 also makes some sense. After CCs paid, pay off cars. Then get 6 months of living expenses in the bank. Also pay off second mortgage for the 20 side of my mortgage, we did a 8020 Loan years ago. Have about 20k in retirement savings this far. Would like to move into a new house within the next couple of years. Im 36 yo, two kids, ages 12 and 13. Wont be able to fully find college. Hoping to help with living expenses and odds and ends. They will have to take student loans. Sorry if all that is jumbled! Im on my phone and having some flight of ideas...  <response>: Read the side bar. Come back with informed and targeted questions if you still have any. You situation is not unique, and has been covered many times its med_student.txt. 