<prompt> Human: Title pretty much says it all, a few bad decisions and unexpected expenses have left me lean on savings. Currently, Im putting in 5 employee matched in to my 401k, and the house will be paid off the year I turn 65. We have two cars, both with notes out at least another 4 years or so... What should I be doing with any extra money I have? I just paid off the only credit card Ive been using.Edit: Thanks for the replies. I should add that I have 4 children, between 1 and 14 - and their college education is taken care of.I know spend less, save more - Im thinking more in terms of how aggressively I should be saving, and in what financial instruments I should be putting my money IRA, money markets, CDs, etc.I expect a moderate inheritance by the time Im closer to retirement age, while highly likely its not a sure thing. The 12k is what Ive built over the last 2-3 years in my 401k. My yearly taxes are currently low - less than 10 due to the children and my wife not working.  <response>: With such a late start, 5 in no where near enough to save. Looks for ways to radically increase your savings and investments. 