<prompt> Human: Over the past few years, my wife and I have always had one prime goal to reach for financially. Weve done a lot of the basics; it started as paying off debt student loans, car, some family loans - wedding, etc. and building an emergency fund, then it was starting to save for retirement, and for a while it was saving for a home. Were in a pretty great place financially, but now that weve accomplished those easy to identify goals, I feel a little lost. Ive read a lot on rpersonalfinance but havent really identified whats next.Heres our situation: Age 3031 No kids but aiming for our first sometime next year Combined 400,000 in gross annual income Both max out our 401ks 40,000 in emergency savings Mortgage: Approximately 700,000 in two loans one with family at something like 2.5, the other at 3.25 for a house valued at about 1mil No other outstanding debtSome things that Ive learned could be helpful: 529 for our future kids - seems like this could be a nice option since were getting pretty close to having our first Backdoor Roth IRAs - Traditional IRAs are out, because we exceed the income limits. My wife could fund a backdoor Roth account as an additional retirement savings option, but I stupidly converted my old employers 401k account into a traditional IRA so... Side question: Is there any reasonable way around paying taxes on converting this account apx. 23k into a Roth and beginning to use this method for additional retirement? Payoff our mortgage faster - Its at such a low rate, though, that its not really a priority.For this year, were focusing on some short-term goals that weve earmarked some significant funds to, including traveling a lot this year before we have kiddos and furnishing the rest of our new and mostly mostly empty house. But beyond that, Im confused on where to focus our efforts next. Suggestions? Thanks for the help!Assistant: After you max out the tax advantages spaces, you have to invest in the taxable space. Think stocks, real estate, or businesses. Human: Alright. Thats pretty cool, but I think my concern is the effort required for something like that. It seems challenging to do on my own. Is it time to think about bringing in an advisor then?  <response>: A Vanguard 3-fund portfolio is hard to beat. You can even set up auto-invest to make it mindless. Call Vanguard. They will help you. Great perks kick in with 500k, 1M and 10M invested Flagship Services. 