<prompt> Human: Okay so the situation is; im 26, getting married; fiance and I make about 90K together, pretty much 45K each. Dont own a house but have about 50k in savings. Dont really want to worry about retirement, have a pension at current job, comfortable working till 60, but thinking she might want to cut back her hours drastically when we have kids in 3-5 years. What do I do with that 50K, thinking we live more than comfortable now, but couldnt probably live on one salary.  <response>: Dont really want to worry about retirementThis is a dangerous line of thinking. Ask the people at hostess how their pension is performing. If you have a 50K cash surplus, you can afford dropping some into a ROTH every year.If you want to be a blessing to your kids, dont be a financial burden on them when you get old.As for the 50K - Do you have any debts? if you pay them all off you can maintain the same lifestyle on less income. 