<prompt> Human: Hi PF- Me and my husband are newly married and just looking to learn more about finances and what we can be doing better with our money. My husband is 30. He makes 86,000year. His take home pay check after taxes is 2000I am 27 and make 35hour. My take home pay check is typically 1600. We bought a house last year and got married this year- both of which were big expenses. We are now looking to focus on saving and possibly investing?Our budget breakdown is as follows- Combined take home monthly pay- 7200Current Savings- 34,000 Bills per month: Mortgage- 1650Student loans- 450Cell phone- 100Car insurance- 250Cable- 135 Electric- 100Gas- 150Oil- 100Groceries- 500Random- 300 Credit card- 200 I have 2000 left on a CC from when I was in college. I plan to pay it off by the new year I currently put 10 into my 401k. My husband puts in the minimum. Ive been on his case about upping the amount. Our current savings is about a 6 month emergency fund. We are wondering whats next? What could we be doing better? Any advice greatly appreciated!!  <response>: Why do you have 34K in savings, but 2K in CC debt? Youre unnecessarily paying extra interest on that.As for the next step, if you are not in public service with loan forgiveness, I would pay off the student loans and then either max out retirement savings or pay off the mortgage.We dont qualify for the Roth IRA so I usually put money in the backdoor Roth because our traditional IRA contributions are also no help during tax time make more than the max for tax benefits. 