<prompt> Human: I do not want to repeat the pattern my family and my wifes family have repeated for generations of always treading the poverty line and having nothing to show for themselves when they reach retirement age.Heres my 401k Fidelity and my ROTH VanguardMy goal with this post is to assess my portfolios viability and receive counsel on adjustments I might need to make. The redacted areas in my portfolio snapshots are information that would identify my company or account numbers. My large cap may seem high to some of you, but half of that 20 of total 401k is in my companys stocks which pay a high dividend. As a note, when I bought into the Vanguard funds I had no idea what I was doing and picked two funds that I could afford at the time. I am open to suggestions about moving the money.Im 30, married, live in an expensive part of California have to for my profession, at least currently. My wife is not employed but should be later this yearearly next year after finishing her Masters degree. Due to expenses of marriage and honeymoon last year I was not able to max my ROTH and, but hope to do so this year.I work for a Fortune 500 company making 80k a year plus a 10 annual bonus give or take. I contribute 8 of my income to my 401k and my company matches 5 of salary 11 ratio. I will also have a company pension available if I stay with my company forever, which is probable. I am rearranging our budget to be able to max our ROTH every year from here on out, assuming we have no major emergencies. We have a 4 month emergency fund that will become a six month emergency fund as soon as we receive our tax return, which was unusually high due to pre-marriage withholdings for the first half of the year and a glitch with my W-4 and my employer.We have 69k in student debt and 10k in car debt. Once wife starts working we should be able to aggressively pay down her student loan in 2-3 years, and have her work an additional year or two before we have kids to build some more financial cushion and save toward a home downpayment. The interest on the car loan is very low so I will probably carry the loan to term and use my monthly savings 500 plus her full salary hopefully 3kmonth to pay down her student loan first.Do you guys think I am on the right track? I know that 30 seems young to many of you, but it feels old to me. I dont want to end up working til Im 70 like my dad will have to and then taking out a reverse mortgage or selling my house to be able to retire.  <response>: I think you are too conservative. Are you retiring in 5 years? You should be way more aggressive; 90 stocks, 10 bonds or so. Realistically you have 30 years of growth you shouldnt be afraid to earn 