<prompt> Human: First post.Im 31 yo. I have been trying to save, but I feel like I am working harder, not smarter. I have no investments, no house, but no major debt. I have paid off my car and loans.Gross salary: 43kCash in bank: 51kRentutilities: 1150 a monthMy fiancee just started her first job and lives with me.Gross salary: 52kCash in bank: 2kSchool debt: 90kShe needs a new car and knows what she wants . It will cost 20k-25k. Goals: I want to invest. Help fiancee. I want to buy a house and start a family in 3-5 years.What is the best step by step solution to set up the future for this situation? Thanks.EDIT: She will be looking at a cheaper car from advice. We will target loans first. I will be looking into iras and mutual funds and continue to save.  <response>: The philosophy of wanting to buy an expensive care so you dont need another one in 5 years is flawed. Finance should be whacking down on the 90k student debt before she takes on another loan. Her income is too low to support a 25k car. Besides you dont have a family yet. If and when you do have a family then youll want a newer vehicle with better safety features, not a 8-10 year old car.Do not spend your 51k on a wedding, fiances car, finaces student loans. Save that for the down payment. 