<prompt> Human: We have zero debt, 70k outstanding on mortgage 4.125 at 30yrs at about 700 a month piti, high credit scores, 10k or so in emergency fund. Always budget, always stick to it, but have been living the dink life hard and have no savings. Both jobs offer 6 match on retirement savings edit: to be clear we both just became eligible, presume we start with that. And then? IRAs, 529s, investments...?EDIT: Since most of the replies are why dont you have savings, heres my reply that explains our situation:We had debt that we paid off, paid off both our cars, had a small wedding, put down 20 plus closing costs on a house that needed work when we bought it, helped out family a couple times, had a number of large pet bills have pet insurance now.Plus we moved to the US with nothing only in the last five years so the high salary actually only really happened in the last six months after putting in a lot of hard work hence only being eligible for matched retirement plan this month. This time two years ago we werent making half what we are now. Plus as I said, double income no kids, we took some holidays to visit our families overseas and ate out a bunch, but not like 20-40 of 130k or anything. We did enjoy ourselves but mostly we worked on getting to: Nice house with low mortgage No debt Good emergency fund  <response>: You dont have to justify anything. Its not like youre posting on here and saying your financial life is a wreck. You are in GREAT shape compared to Joe Average and are looking at making the right change, congrats!I would beef up that emergency savings a lot. 10K feels like a ton but its not. Thats a new roof or new AC, thats it. Car blows up? Gone. Id put all my cash into that until it reflects 6 months of spending.Also, will your wife be staying at home? Are you SURE she will go back to work? I know many women who planned on going back to work but it never happened. If it were me Id start living on just your salary now. Put everything she earns into your emergency fund until its where you need it to be. Then start contributing to your 401K to the level you need. When we had our kids my wife didnt work for 10 years. I went from contributing the maximum to the minimum where I received a match. Money was tight for a while but now shes back to work my contributions are back to where they need to be and everything she earns is a bonus.If youre asking specifically where to save money? In order to do that youll need a breakdown of your spending. 