<prompt> Human: Long time lurker, first time poster. Apologies in advance for the longish post...really hoping PF can help set us in the right direction! BackgroundMy wife and I early 30s are at a point where our finances are starting to be a bit out of our depth in terms of what to do next. We are incredibly fortunate to both have more-recently well-paying jobs. With some recent life changes, were also lucky to have a relatively low fixed cost of living. We have a budget outlined below, and are generally good with money. We splurge every now and then mainly on travel, but are also thinking about kids in the next year or so. I dont think our situation yet warrants a financial advisor, and Im hoping the knowledgeable folks of PF can help point us to whats next. My question boils down to: what should we be prioritizing nownext? Also, is there anything we can do to be better tax optimized?Ive read the wiki: emergency fund, check maxing employer-matching 401k, check no debt were well-through education, with zero debt maybe think about a 529 for kids? Im not a fan of IRAs convince me Im wrong? - and, given our high income, the tax benefit is negligible the only other potential short-term savings goal is a bigger house down-payment...but we live in the Bay Area. Housing is especially fcked hereOur current situation is outlined below. Most of the net savings will go to Betterment, which I use as our short- long-term savings vehicle. Were in the .15 fee bracket so it feels relatively cheap. Combined summary: Salary - 470kyear 401k - 330k split between Fidelity Betterment in low-cost diversified indexes ESP - 250k net cash upon liquidation, taxes have already been withheld Betterment, cash savings - 50k Cash on-hand - 45k aka our emergency fund Cash to-be-invested - 210k proceeds from recent sale of old house Debt: No long- or short-term debt Income: Paychecks - 20,000 NET take-home every month rounding for easier math Fixed Liabilities: House - 900 paid to Car - 1100 60months 0 yes, this is high, but 1 we just bought a new vehicle in prep for family expansion, 2 this is our treat to ourselves Utilities - 100 Cell - 160 Home Insurance - 100 Car Insurance - 100 Variable: FoodDining - 500 Groceries - 250 Cars, Gas - 250 CableInternet - 100 Cars, Tolls - 100 Cleaning Services - 100 Haircuts her - 100 Pharmacy - 50 Spotify - 15 NYTimes - 10 Monthly Net 15kWhere should this go??  <response>: At your income level, youre honestly moving beyond the realm of using Reddit for financial advice. Youre at the point where you should probably have a CPA, and a fee-only fiduciary financial adviser to help you manage your money. 