<prompt> Human: I make between 30-35kyear and she makes 50kyear. Do we move onto a taxable brokerage account or is it wiser to start working towards a down payment on a house, or something else?  <response>: Next step would be taxable unless you have access to other tax advantaged accounts. Are either of you on a HDHP? If so, do you have an HSA?EDIT: I glossed over the fact you only contributed up to matching on the 401k. Is there a reason for not contributing more towards it? 