<prompt> Human: Graduated school with dismal job prospects and waited tables for a while. I found an entry level job in my field, worked my way up, and am now making six figures. My wife and I have saved 35k in a credit union in wifes name that pays 3 interest. My wife has 30k in company stock. My wife has an IRA, pension !, and 401k. Success story? Not quite.All our assets are in my wifes name. I have 100,000 in student loans at 6 interest. Im currently making minimum payments that barely cover interest. I have NOTHING of value in my name other than my checking account, which is basically our expense account that hovers around a 1,000 balance.This isnt a question about trust, I trust my wife and can get my name on all the accounts tomorrow. The question is about what else I should do. On paper, Im six figures in the red.We make 10,000 monthly. 4,000 goes into the credit union, 2,000 for childcare, 700 for my student loans, the rest for mortgageliving expenses.What do I do?Assistant: Put more towards your debt.Why would you put 4000month into something paying 3 interest while you have 6 interest loans? I would divert that completely.Human: There other options I was wondering about were growing the rainy day fund, starting a Roth IRA or other retirement vehicle, or investing in a mutual fund that has historic returns greater than 6. Should any of those options be considered along with paying the student loans down?  <response>: I suggest taking the guaranteed 6 return on your loans and paying that down. 