<prompt> Human: Currently, we have two kids in college and, this year, will be able to pay for their tuition out of our regular bank savings. We have two more children to put through college and have 100,000 in a 529 plan. Right now, we put 200 a month into the college savings plan and 200 a month towards our retirement. I would like to put more into our retirement- a lot more. The account the 200 is going to is a Roth IRA and I know that has a really low yearly max. I have a financial advisor and will meet with him but I like to be prepared and Im not having a lot of luck understanding things that are popping up on google.  <response>: Its always wise when you get a significant pay increase and can live on your current income to put that towards the future rather than adding it to your current budget.But you will also want to look at eliminating debt as well as adding to retirement and savings. 