<prompt> Human: TL;DR: I expect to marry into 200K of student debt in about 4 years. Considering that I have a good job and no debt myself right now, whats the best way for me to save? The situation: My girlfriend and I have been together for a couple years and have talked a lot about getting married. She just got into a 2.5yr grad school program, so if everything works out we will likely get engaged sometime soon after she graduates in August 2019. Assuming that the relationship goes as planned obviously not a certainty, her 180-200K worth of student debt will be my problem as well once we are actually married in about 4 years. She should be able to contribute to the debt her field starts at about 100Kyr, but I wont count on that here. If things dont work out, then Ill have a pile of money saved up for a down payment on a house or something. Either way, Id like to prepare for the worst and begin saving now. Current game plan Employee stock purchase plan: I can buy the company stock at a 10 discount from the market price at the time of purchase. Im currently contributing about 18Kyr the maximum to this plan, which should leave me with 19.8Kyr worth of stock. I already own a good number of company stock, so I plan on selling the ESPP shares as soon as I get them for that immediate 10 return and reinvesting all that money in an SP 500 index fund to reduce risk a bit. Company stock bonuses: I have a lot of guaranteed stock bonuses over the next few years that work out to about 12Kyr after tax withholding, at current market value. I will likely just keep that money in the company stock, since it is a large blue-chip stock that pays 2.5 dividend and has some solid growth opportunity for the foreseeable future. Cash: Ive kept a close watch on my finances over the past 12 months and based on that I estimate that I will be able to save 10Kyr in cash, after maxing out my 401K and HSA and contributing to the ESPP as described above. Overall I should be saving: 20Kyr in SP 500 index 10-12Kyr in company stock 10Kyr in cash Im not really sure what to do with the cash. I currently have more than enough in my emergency fund and my plan already gives a lot of exposure to the stock market. Im thinking that it may be best just to dump it in a high interest 1 savings account so that it can balance out some of the risk in my overall portfolio while still keeping up with inflation. So, what am I doing right and what am I doing wrong? I am no expert in saving and investing so I appreciate any advice. Thanks!  <response>: Will she be making significantly more than 100k very soon after graduating? Will she be getting any kind of stipend during grad school? Does she plan on taking time off for work or school in order to have children? Make sure yall run the numbers to make sure that much debt is worth it. 