<prompt> Human: I make 20 dollars an hour, my wife makes 15 and we currently have a child on the way. Our monthly take away is roughly 4700 per month after taxes. 1000 on rent, 400 in car payments, around another 500 in medical, phonetv, bills. Add on -300 on food and life. That leaves somewhere in the area of 1500-2000 monthly to be savedinvested.I dont want my child to pay for college, but I dont know the best way to start saving. What is the best way to maximize financial growth now to make it easier on my family down the road? Thanks!  <response>: Are you saving at least 15 towards retirement? 