<prompt> Human: I am 25yo, my fiancée is 26yo Getting married in September; wedding is already paid in full. We are both recently out of graduate school. I have no debt, but my fiancée has 20,000 in student loan debt. Both of our cars are paid off. I make 45,000 a year and she makes 55,000. My fiance recently received a windfall of 10,000 and we are not sure what would be the best way to invest or save the money. Please give any advice or opinions about what we can improve or what we should be putting money towards. Any advice about finance going into marriage? We are stable financially and both have good spendingsaving habits, but down the road we would like a house 20 down payment, a kid, a dog, etc... Mine:Savings: 4,500 Goal: 10,000 emergency fundCC: 0 debt paid off every monthRoth IRA: 10,500 Max it out every year for the past two years 458monthTaxable Investments: 2,500 VTI and a few Biotech stocks Contribute 150month401k: Not considered employed post-graduate fellowship so no 401k option exists. My FiancéeSavings: 3,000 Goal: 10,000 emergency fundCC: 0 debt paid off every monthRoth IRA: 5,000 She will contribute 2,500 this year401k: 3,000 50 match up to 6 of salary...she contributes 6 each paycheck to max out the company match ExpensesRent: 1700month 850month eachBills phone, power, water, cable, gym etc.: 200 eachGroceries: 400 month 200 each TL;DR I make 45,000, my fiancee makes 55,000 and we just received a 10,000 windfall...what is the financially responsible thing to do with the money given our finances?  <response>: Add your emergency finds together, use part of the money to fully find it to 10k, fully fund her IRA, then if loans are over 3 throw the remainder at them, else save for down payment. Edit: also, stop talking about xxx each, your finances are going to be combined, treat them as one. 