<prompt> Human: My wife and I are 38 and 36 years old and we have 2 boys 8 and 7 years old. We gross 130K per year and are now debt free. After living expenses we will have about 4,500 extra a month. We have about 185K saved up for retirement. We are only investing about 2 in a 401K currently and this amount maxes out the match.Short term we want to buy a vehicle for cash and build up the emergency fund to 25K. After this we want to go on great vacations and start setting aside money for kids college.Any tipsthoughts to optimize our extra funds as we enter the next phase of our lives?RESPONSE: Thank you for all the kind words and advice. We will definitely bump up the 401KIRA contributions up to 10 of our gross. I dont want too much tied up until I turn 60. I think that will leave us plenty to do everything we want to do between now and then.  <response>: The principal and interest may be done with, but dont forget about property taxes and insurance. Make sure you let the insurance company and county know to send you these bills directly, and consider setting aside a monthly amount to pay these expenses. 