<prompt> Human: My wife and I have been married for almost 5 years now. We both were very good with our money, getting through college with no student loans to speak of and throughout our marriage have been very conservative with our money. We currently have - 50k in the bank with 5k in a HSA as part of our health insurance. The negatives- 12k on a .9 car loan, and 110k 3 mortgage. I have been able to convince her that after we pay what we will owe in taxes to just get rid of the car debt, but have for over 5 years been unsuccessful in convincing her to plan for our long term future. What would be your advice on whathow to approach this with someone who is skeptical of anything other than a bank holding money? I was assuming that this would be the appropriate location to ask, and not raskreddit... apologies in advance if I am wrong.  <response>: The negatives- 12k on a .9 car loan, and 110k 3 mortgage.I wouldnt put anything past the minimum payments on these. The interest rates are low enough that you shouldnt be in a hurry to pay them off.What would be your advice on whathow to approach this with someone who is skeptical of anything other than a bank holding money?Math. You should show her that unless you start putting money into higher risk but higher return investments, youre not going to have enough money to live off of once your salaried income stops. 