<prompt> Human: I grew up without money, thus I was never taught how to be financially smart. I worked as a teacher while attending Law School at night. Recently, I finished school, passed the bar, and got a job making 150K at a tech company in Silicon Valley. Needless to say this was a huge increase in income. I am married with a 10 month old daughter. My wife is a teacher and makes 70K. No debt for law school paid it as I went, 12k owed for college, no Credit card debt, 200k mortgage, about 20k in 403b. How do I avoid a large tax bill? What should I do to get ready for retirement? Do I invest?  <response>: Have you read the big green button on the side bar ? 