<prompt> Human: Hey all, hoping you can help us decide what to do with it. Here the abbreviated key stats. My wife and I had our first on January 5 of 2016. We own our home we pay a mortgage still though. Im 35 and shes 32 and in grad school at an Ivy League Uni where she works so school is free.I make approx 65K, she makes 40K free tuition.Tax return: 8800Our savings:-My 401K has 10K-My Roth IRA has 45K-Wifes 401K has 4K-Wifes Roth IRA 11K-1 year olds 529 4KDebts: -3800 in credit card debt acquired when trying to save our dog from death by cancer. didnt work. : -1500 in interest free credit card debt on a new fridge - interest free until March 2018 and I have been paying it down and it will surely be gone before the due date-140K in mortgage balance on a 30yr mortgage with 4.25 fixed rate interest-20K in a 30 year credit line with 2.5 fixed interest rate. Credit lines max is 29KSo the question is where best to put that money?My initial thoughts:-2K for vacation My wife and I have never been on a vacation in 6 years of marriage - we got married at a justice of the peace and never did a honeymoon - we moved overseas for work right after getting married-1K for my Roth IRA-1K for my wifes Roth-1K for my 1-year-olds 529- Remainder Im not sure what to do with. Should I just build it into an emergency fund as my emergency fund is a bit lacking?  <response>: Skip the 529, pay off your 3,800 credit card debt. Why leave a balance on something probably accruing interest at 12-24? Some people will say skip the vacation and pay off the other card, but, eh. Have to treat yourself now and then and as long as you actually are making monthly payments to pay off the card before the 0 runs out, go for it.Edit: The reasoning behind it is you need to take care of your own finances and retirement before spending a lot of money on a childs education. They can take loans, they might qualify for a full ride, college might be free for all and paid by a special payroll tax by then. Unless its a part of your state tax break planning, it should be the lowest priority when compared to paying off debt and saving for retirement. 