<prompt> Human: Background: Mid 30s, married, two pre-school kids, cars paid off, and just sent in last check to pay off the house. I guess my question is, I made a lum sum payment to get the flexibility to have my largest monthly debt removed. If anything were to happen to me, beyond life insurance, the estate could potential sell or borrow against the house. So thats good. Net worth, yay! The only problem is, I feel like now Im seeing all the other things I should be doing. Roof needs replacing 15-20K, the kitchen and down stairs needs remodeling to keep the house marketable should we have to sell 35-60K, kids probably need at least 20K being invested in by someone smarter than me 40K, wifes retirement is sorely missing 100K, and as Im on this journey, eventually will need to replace a car in a few years 12-18K. It just gets overwhelming. Do I try and hit one at a time, spread it out? On the plus side, I expect to use my former mortgage payments to help accelerate these things. Its just hard to see your savings build up, and then they go away. I think in the past, it was easy to excuse not doing those things, because we have a mortgage, so we will chip away at that and put aside savings and get to those things. Now, I realize Ive swallowed a horse to see an elephant behind it. FYI: I love this sub. I wouldnt be able to complain about this first world problem, if I had not been able to learn as much as I have from you all. TL:DR- Need advice on best way to handle put-off goals now that I can actually focus on working on them.  <response>: I find I can save up money a lot faster if I dont have any loans. 