<prompt> Human: Learned recently that my wife is about 2 months pregnant with our first child. Its too early to tell the friendsfamily but I know I can confide in this group. I need to know what to do! I make 120k and wife makes about 65k. We have a house 2,100 with mortgage taxes insurance, etc. I have oodles of law school debt 1,000 a month and a car payment 485 per month we would also like to get her a new vehicle. Have some other misc. monthly expenses and about 3k in credit card debt. What should we start focusing on? Debt? Saving for her maternity leave ? Other accounts or purposes?Thanks !Assistant: Why do you still have credit card debt when earn 10kmo and only have 4kmo expenses? I dont understand the point of this thread. Pay down your debts with your 6,000month of free money?Human: I guess the point of this thread was to more learn if I should start putting money into specific forms of savings. Seems apparent now that a budget and paying off debt are first and foremost. But what about after that? Does money just go into a standard savings account?  <response>: I would follow the sidebar yes. 