<prompt> Human: Im a 27 year old corporate newbie and I have a new born baby girl that I want to start saving for college for. I also want to save for a house.. And continue saving for retirement. I dont have debt outside of my managed cc debt each month. Im not a spend thrift. Where should I begin? Id like to begin building equity but I feel like if I can front end my Ira, 529,and esop I may be in a better place in 40 years.  <response>: Out of the 3 things you specifically mentioned, I think that you should make saving for your own retirement the top priority. Yes, I know that you feel the best thing to do as a father is provide your child with a paid for education, but honestly she will be more thankful that she doesnt have to take care of her parents financially in their old age. Determine how much you will need for retirement, and then how much you should be putting away each month to achieve your retirement goals.Once you are saving enough money for retirement, then you can go ahead and start doing the college education thing. Maybe open a 529 plan depending on the state that you are in.Last thing you should worry about is owning a house. If you find yourself with extra money at the end of the month after retirement and college savings, go ahead and start saving for the down payment.Good luck to you! 