<prompt> Human: My fiancé and I are going to have a combined before tax income of 295,000 starting in September this year. Well also have a combined student loan debt totaling about 350,000 with payments starting in December. Our combined salaries are likely to grow by about 35,000 each year for the foreseeable future. We dont have any credit card debt. I think a pretty conservative estimate of our expenses for next year will come out like this:AT Income: 200,000Loans: 49,200Rent: 37,200Utilities: 2,880Nonsense: 34,000Groceries: 19,200Savings: 12,000Bonuses: 25,000Wtf do we do with this: 65,520I invested 500 in GolfBoard last time I was feeling financially savvy, so my fiancé said we should talk to a financial planner once we start working. I told her there was no need, I have you guys... Anyone have any ideas on the most efficient and prudent way to capitalize on our excess income?  <response>: Continue to live on shoe strings, and max a 401k for its tax treatment, and put the rest toward the student loans. One of the biggest things is to continue working toward being a success. Youre already well off, but you need to continue working toward being a financial success; the wiki has a book list and more detailed info about all of these topics. 