<prompt> Human: Hi Everyone,Throwaway - My wife and I will be completely debt free from grad schoolundergrad and car loans after this month March 2018!! Weve both worked super hard to get to this point and i basically need some advice as to what to do next less some of the more obvious things I should already be doing.StoryWife and I are in our late 20s Living in Los Angeles and we are just about to pay off the remaining debt she has on her grad school loan 100k - amazing thing is that we paid off 100k in just under 3 years bc we dedicated every single waking dollar into it. We started off making 45k, single income for a few months after she finished school just me working. Once she landed her job, our gross income jumped to about 90k. Over 3 years, we both got raises and promotions and are currently sitting at around 145k gross. We didnt vacation at all the last three years and only bought used stuff and cash flowed everything we purchased. We cheaped out on a lot of holidays in terms of gifts for ourselves and instead tried to focus on affordable gifts for family. We also dumped 100 of all bonuses and profit shares we would receive into the loan immediately - never kept any of it for personal use. Overall, it was a long road of discipline but WE MADE IT. Now that were here, Im a little lost as to how to proceed next bc we have grown so used to just not spending on anything. Aside from my current retirement savings, im seeking your advice as to what you would do next!Investment Strategies We were already investing 25 of our gross income into 401ks, this included company matches planning on upping up to 30 next month during the past few years. Up to legal limit as some are pointing out Dumped at least 1.5k each year into our HSAs since we are healthy so we have a nice lump sum sitting in that for health emergencies the company health insurance including the company matches.Debt-Free Plans Going Forward Increase investments into retirement - maxing out HSA, 401k ROTH. Both of us expect promotionsraisesbonuses in the next 12 months so its likely our gross salary will jump from 145k to 160k Increase our giving across the boardQuestions Do we just take a massive vacation somewhere to celebrate and cash flow the whole freaking thing? I was thinking - lets just hit up Japan and South Korea for a 2-3 week trip. Itll cost a small fortune but we can cash it, so why not? Open up another investment account and dump money in there to save for a home? Tradeking, Robinhood, etc? How do you invest for a home aside from just dumping money into a saving accounts with such a minimal return? Invest for Children that dont exist yet?All in all, would love your thoughts as to what to do next.edit: words  <response>: Id advise you look at this flowchart from the wiki that I think you should also check out if you havent already. 