<prompt> Human: My wife and I earn about 180k combined. I just paid off my student loans and own my car outright. She has maybe 7-8k in loans student, car, and a personal loan she took when she first graduated college, which she will finish paying, Dave Ramsey snowball-style, this year. We each have a credit card but pay them off every month. We each have a TSP through workshe puts 11 in hers and I put 18 in mine. I have a Roth IRA that has been idle for a few years, but I have recently since I paid off my student loans been maxing. We each expect to get a pension from our jobs, although we dont include it in our plans because we havent been at the job long enough to get it yet. We currently have about three months of expenses in our savings and are working towards six. What is the next step? Stocks? Increase the TSP? We plan to have children soon. We each have a GI Bill so two of the kids we want three or four will have college paid for. We move too much to buy a home, although weve casually considered buying somewhere and renting it out. Ive spent my life with pay debt and build savings as my goals, so now that those are done, Im not sure what to do next.  <response>: You get debts paid off, you maximize pre-tax savings, then you start on taxable savings with a diversified portfolio of mutual funds ETFs. When you have kids you start the 529s and get a little bit of tax advantage there. If you move a lot, Id stay out of the land lord business because it gets much more expensive when done long distance. While youve got great incomes, Im thinking that if either of you had any ideas of maybe doing something like getting an advanced degree after hours or certifications or something, Id invest in that sooner rather than later. Otherwise, yes, its just pay debt build savings as tax efficiently as possible not much more to it than that. 