<prompt> Human: My wife and I just found out we are pregnant, so Im trying to figure out what should be my top priority to concentrate on over the next 7-8 months until our lives are turned upside down in a good way of courseHere is our current situation:My job: promotion pending, dont know exactly what my salary will be but most likely in the 50k-55k range.Wifes job: Two part-time jobs currently. She plans on quitting one when baby arrives, and the other one shell keep which is 15-20 hrs a week and pays 10k a year is flexible hours, so she can work that job without us needing to pay for childcare.Emergency savings: 4,700Retirement savings: We have a Roth IRA in my name with 16k and a pension through my job, which I plan on staying at long-termMonthly house payment: 1,378 200k left on mortgage at 3.5Student loan: 9,100 at 6.5 been paying well over the min. payment every month trying to knock this outVehicles: Mine is a 2012, hers is a 2000 and will need to be replaced. Were planning on replacing it in several months probably winter time, before baby arrives, which means well be adding a car payment of presumably 400-500.Health Savings Acct: 3,300 which will come in handy with medical bills since our high-deductible plan has an individual deductible of 2,500Bottom line: Would love some advice from people whove been through this before... would it be wiser to continue throwing every extra dollar at the student loan to get it paid off? Or should we throw every extra dollar into building the emergency savings? Any other suggestions of what we should be doing differently to plan for this big life change?Thanks in advance for your help.  <response>: Heres a thought, with 60K a year between the two of you and a baby on the way, you probably cant afford to take on a 400-500 a month car payment. Sure, you both need dependable vehicles. But do you both really need brand new vehicles? Youd be poor if you took that payment on after having a child with your incomes combined. Not trying to be rude or anything. 