<prompt> Human: Hey PF,My girlfriend soon to be fiancé and I are looking for third party financial only advice to make the most of our situation. A little context to begin and then will have more financial details below:We are moving in together soon and plan on sharing expenses while keeping our finances separate; however, we would like to set up similar portfolios with the idea that they will eventually merge when we get married. Expenses have inflated with higher income travel mainly, but we plan to cut back to put more toward high interest debt and savings for aforementioned life expenses. Would like advice on optimization for our current setup, but also advice on next steps when debt is paid off.I will note that we live in the Midwest with extremely low COL.Income:His Salary 85,000His Proj. Commission 2016 15,000Her Salary 86,000Total Counted 171,000Total Projected 186,000Debt:His Mortgage 82,283.28 4.5His Car 6,815 3.24Her Student Loans 13,132 6.55Her Car 22,290 3.49Her Credit Card Paid Monthly 400Total Debt 124,520.28SavingsCash:His Cash 4,037His Emergency Fund 8,000His Short Term Savings 5,030His 401k Current Employer 30,029His 401k Prev 16,306 12,270 VestedHer Cash 3,937Her Emergency Fund 12,000Her Short Term Savings 5,842Her 401k 24,781Total Liquid 38,849Total 401k 71,116Planned Monthly Expenses 12 Mo AvgMortgageRent 799.00His Car 368.51His Car Insurance 170.17Her Car 520.23Her Car Insurance 112.00Her Student Loan 326.17Electric 141.00Gas 88.00WaterTrash 69.00Internet 59.99Her phone 40.00GroceriesDining 400.00Fuel 140.00Spotify 14.99Medical Insurance 69.56Taxes 2,242.55Total Expenses 5,561.14Savings:401k Contributions - Employer matches 50 of contributions maxed at 6.His Contribution: 16 22Her Contribution: 12 18401k Total: 2,193.33 Match 3,123.33Overview:Assets 109,965 Plus 32k equity in homeDebt 124,520.18Net -14,555.18Monthly-Income 14,250 Proj. 15,550Expenses 5,421.15Contribution 2,193.33Available Balance 6,635.52 Proj 7,935.52I didnt factor the additional amounts we put to debtsavings since the numbers are more sporadic. Currently targeting student loans and the smaller car loan with extra money. We also set aside 500-1500 for short term savings for future expenses.Looking for input on portfolio, places to put short term savings, next steps when high interest debt is paid off, etc. Any input is great.PS: Please forgive the formattyposswitching of tenses since this was done on mobile.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Hey PF, My girlfriend soon to be fiancé and I are looking for third party financial only advice to make the most of our situation. A little context to begin and then will have more financial details below: We are moving in together soon and plan on sharing expenses while keeping our finances separate; however, we would like to set up similar portfolios with the idea that they will eventually merge when we get married. Expenses have inflated with higher income travel mainly, but we plan to cut back to put more toward high interest debt and savings for aforementioned life expenses. Would like advice on optimization for our current setup, but also advice on next steps when debt is paid off. I will note that we live in the Midwest with extremely low COL. Income: His Salary 85,000 His Proj. Commission 2016 15,000 Her Salary 86,000 Total Counted 171,000 Total Projected 186,000 Debt: His Mortgage 82,283.28 4.5 His Car 6,815 3.24 Her Student Loans 13,132 6.55 Her Car 22,290 3.49 Her Credit Card Paid Monthly 400 Total Debt 124,520.28 SavingsCash: His Cash 4,037 His Emergency Fund 8,000 His Short Term Savings 5,030 His 401k Current Employer 30,029 His 401k Prev 16,306 12,270 Vested Her Cash 3,937 Her Emergency Fund 12,000 Her Short Term Savings 5,842 Her 401k 24,781 Total Liquid 38,849 Total 401k 71,116 Planned Monthly Expenses 12 Mo Avg MortgageRent 799.00 His Car 368.51 His Car Insurance 170.17 Her Car 520.23 Her Car Insurance 112.00 Her Student Loan 326.17 Electric 141.00 Gas 88.00 WaterTrash 69.00 Internet 59.99 Her phone 40.00 GroceriesDining 400.00 Fuel 140.00 Spotify 14.99 Medical Insurance 69.56 Taxes 2,242.55 Total Expenses 5,561.14 Savings: 401k Contributions - Employer matches 50 of contributions maxed at 6. His Contribution: 16 22 Her Contribution: 12 18 401k Total: 2,193.33 Match 3,123.33 Overview: Assets 109,965 Plus 32k equity in home Debt 124,520.18 Net -14,555.18 Monthly- Income 14,250 Proj. 15,550 Expenses 5,421.15 Contribution 2,193.33 Available Balance 6,635.52 Proj 7,935.52 I didnt factor the additional amounts we put to debtsavings since the numbers are more sporadic. Currently targeting student loans and the smaller car loan with extra money. We also set aside 500-1500 for short term savings for future expenses. Looking for input on portfolio, places to put short term savings, next steps when high interest debt is paid off, etc. Any input is great. PS: Please forgive the formattyposswitching of tenses since this was done on mobile. ---I am a bot. Contact pentium4borg with any feedback. 