<prompt> Human: So basically my wife has a trust that will pay her the current equivalent of about 40k a year for the rest of her life with 3 raise each year. We have about 90k each in student loans mine started at 150 she hasnt started paying hers as she is just finishing graduate school. I have 100k in a 401k. Our collective salaries are significantly above the average household. We are both 30. Im trying to figure out what our financial priorities are. Part of me thinks I should lower my 401 to simply company match and put every other dime into the student loans. Part of me thinks that I should start pumping money into mutual funds as early retirement seems obvious for us. I dont know. I guess my fear is if she passed significantly before me or left me later in life I obviously want to have a healthy 401k. On the other hand prioritizing that over other goals seems... wasteful. Probably we would end up having so much money at 65 we would never be able to spend it. What do you guys think  <response>: The usual advice is to only put enough into your 401K to get the company match and then pay down debt. Generally it seems better to pay down student loans as quickly as possible. You have a lot of debt. Without knowing your income its hard to say what kind of situation youre in. 