<prompt> Human: Hi rpersonalfinance!My wife and I have been married since September, which was a couple months after she graduated with her masters. Ive been at a salaried position with a meager income, and shes been in retail while job searching, so budget has been tight. However, she just accepted a position that will give us about 1800mo in surplus above our current budget! This is an awesome opportunity that we want to steward well.Debt-wise, we have my remaining student loans, which totals just under 15k. 1 goal is to start aggressively paying that down and finish it off within a year. Aside from that, Im currently contributing 5 to a 403b retirement plan, and Im debating increasing that percentage greatly since we can afford it now 15-20.Other details: we have an emergency fund of about 10k, and my in-laws have a wedding gift waiting for us: a large down-payment for when we get our first house, so thats a goal thats already been reached.So tell me: do you guys have any advice for us? How can we be wise with this new income?  <response>: Saving and paying off debt are always wise choices. 