<prompt> Human: I came here a few years ago and posted asking for some advice and took most of it to heart. My original post here I had 26K in student loan debts at the time, no emergency fund, not much retirement or savings to begin with. Many of you gave me some sound advice and great books to read. I put in the time, read 4 or 5 books on personal finance, signed up for mint, got a Vanguard account going, I was rolling.nbsp; With this plan I will have the following in 5 years: My student loans paid off A house that Ill be paying for so that I am gaining equity and not wasting on rent a good start on retirement savings. car paid off.I have accomplished 34 of those items so far. Students loans all gone, bought a house that was a heck of a deal appraised for 10 higher than what I paid and maxed out my Roth IRA for last year as well as company matched 401k.nbsp;So my question is what next? I currently am setup to do the following: I contribute to the max of my company match on 401K Max out my Roth IRA 2 years left on car loan 1.49, so no real rush there 30yr Mortgage 4.125, currently paying the minimumnbsp;Ill have some room left in the budget. Should this go into my 401k, or start chunking away at the mortgage? My wife and I do plan on having a little one in the next year or two, so wonder if I should begin financially planning for that?Thanks again, this community is amazing!  <response>: Do you have access to a HSA? That would allow you to invest another 3000 or so in a tax deferred vehicle. Could also come in handy with a baby on gathe way. 