<prompt> Human: Long timer lurker; first time poster here. Apologies if this somehow violates rpersonalfinance rules I have read them and FAQIwe amare a 26 year old male 25 year old female. We are engaged to be married. We currently rent share a house with a friend, and after long discussions have decided to wait to marry until after we have our own home. Small backstory: 3 years ago her ex had destroyed her credit; when we met. Ive helped her pay off her debts and try to get back on track. We purchased a new used car from a private seller for 4,800 leaving us with about 800 to our name. She now has been promoted to a position that pays 14.59hr with the old rate of 10.18hr. I have recently been promoted to a position that pays 14.18hr with an old rate of 9.00hr. In the last 3 years we have: Payed off 6,000 of debt, bought a car hers and a truck mine built our credit scores up from 610 to 705 and have since accumulated about 20,000 cash. We both max out our companies 401k match. We both have life, dental, vision, and medical insurance. In the next 2 or 3 days we will be closing on our first home! The loan amount will be for 58,000, taxes at 2,300yr, and insurance 805yr with closing costscash at closing basically our out-of-pocket expenses at 9,100. After all is said and done we should have around 10,000 cash and be saving upwards of 1,000month. Being so young and buying our first house, even though our mortgage broker and realtor are convinced that we could afford much more of a house, we are incredibly nervous. Through my budgeting Ive concluded that we could pay off the home in 10 to 15 years 30yr mortgage and still live comfortably. I think that we should have a savings account with 12 times all of our monthly costs; food, mortgage, utilities, absolutely everything. This way if some disastrous thing happens and we are both out of work, we are safe for an entire year with no income.Im honestly not trying to brag or anything; just share our success and ask Reddit What should we do next? Save for marriage? Some awesome vacation to Ireland? Should we invest in something? If so, what? Buy a small business? Were not sure what to do Reddit.  <response>: Let me say this...FUCK YEAH!!! You should be proud of your accomplishments - and for those that say you are bragging, thats jealousy right there. Very few people this young, with your income, have succeeded as well as you have. Honestly, the next thing is...what is your goal? If you plan to have kids right away, then that will take some cash. Probably the best thing would be to contribute to a Roth IRA. People who get rapid promotions, buy houses, and repair credit tend to do quite well in their career. So, chances are, you will not be such a low tax bracket again in your life. So a Roth is the way to go. 