<prompt> Human: Im not sure how to retire early. Do we just throw all our money at our 401k? I own a house, should I work to pay that off early or contribute more to retirement? Im 23 and my girlfriend is 36. She was financially irresponsible in her previous marriage and basically has nothing to show for it. We make roughly 110kyr together and dont have a lot of bills. Mortgage - 592mo 4.25Car - 483mo 1.99 super upside-down unfortunately Motorcyclepersonal therapist - 160mo 2.99Water - 75moElectric - 110mo varies with weather, no gas Internetcable - 190mo cable because my girlfriend cant take the Roku lifestyle without Serial Killer Sunday on LifetimeTM NetflixHuluUsenet etc - 50moChild support - 600moPhone - 225mo I know I need a makeover but we have come a long way in the last year, going from paycheck to paycheck to actually having money in savings, a modest budget etc.  <response>: You definitely want to check out rfinancialindependence 