<prompt> Human: We live in upstate NYI have 25k in the bank10k in the stock market doing poorly down to 2k but may turn around30K in a Roth 401k returning 7 contributing 15 income including employer match. Income: 57kUndergrad degree in businessAge 29She has 8k in the bank16k in student loans at 7 int paying 1k per month to reduce it asapIncome: 50k year8k in 401k roth 7 intMasters MBAAge 28 We have a 72k mortgage at 3.875 int and pay 50 wk toward principal ontop of 387 bi weekly payments. 20 down already no pmi. Its a duplex so we get rental income of 550 per month for the time being with plans to raise it to 800 per month. 2 reliable cars both modest and no car payments relatively fuel efficient. No credit card debt, at all ever. No more big vacations.I can provide other info if neededDesire 2-3 KidsI want to do it right and get life insurance and start college funds when theyre young. I told her i want student loans paid off first and 30k in each bank account may be excessive What say you to my original question in the subject line?Im relatively young and new to thisThank you for listeningEdit: i understand fire would be hard impossible. But what about the having a family part, say she stops working. Would it be doable or disaster?Assistant: You dont have 10k in the stock market, you have 2k. Not sure what youve invested in, the market has done fantastic lately. Up something like 28 over the last 12 months, and about 40 over the last 3 years. Your incomes are not huge, thats a huge part of this. With plans for 3 kids I think this can be hard. Childcare alone can cost you 500-1200 a month PER KID. College savings to be meaningful for each kid probably also need to be around 200 dollars a month or more per kid. So if youve 1500 a month in childcare and 600 a month in college savings. Thats 2100 a month gone right off the top. On 100k in income, you are probably bringing home maybe 5k a month? So half of your money is gone right there. And those expense estimates are on the low end. 2500 to cover everything else, and retire early is going to be hard. Human: what do you think about my recent edit question. Im hoping her not working would decrease the child care expense  <response>: She has an MBA. She should be making significantly more than you and pulling her out of the workforce will make things that much harder. 3 kids on 50kyear? Sure, its doable, but youll be giving up a lot. 