<prompt> Human: My wife and I are maybe in a unique situation. We have about 20k of extra cash laying around plus a 14k emergency fund. Our only debt is a 100k mortgage.We have several areas where we could spendinvest that money:1. Pay down mortgage faster. Right now, we are paying 3x our mortgage payment each month. However, our rate is only 4.00.2. Invest in some type of index fund e.g. VBINX3. Improve our house. These are things we want to do anyway. New carpet, new countertops, some additional landscaping, etc.4. Travel. Go on nicer vacations. Its hard to go on more vacations due to time constraints at work.Im finding that its difficult for me to do anything that does not improve my net worth. Im fine doing 1 because it reduces my debt. 2 would most likely improve my net worth over time. 3 is a little difficult for me because, a 3000 floor may improve the house value some, but probably not 3000 worth. 4 obviously does not improve my net worth, but are the experiences my wife and I remember.How do you all deal with spending while growing net worth and, similarly, deciding on where to spend that money?Assistant: What do your retirement assets look like? Make sure youre maxing out your 401k and IRA.In fact, your exact question is answered in the FAQ:Human: We have 35k in 401k and 40k in IRAs. We are both 27, make a combined income of 70k, and contribute 24 of our net income to those retirement accounts.That does not max out the accounts, but I wanted to avoid saving too much into retirement. I dont want to sacrifice our present for our future.  <response>: If youre looking at points 1 and 2 as serious candidates for this money, retirement accounts should be an even higher priority as they will make more of an impact on your net worth. 