<prompt> Human: Im 37, married, have a newborn, and I think Ive covered the common steps. Hows my financial health look? What canshould I do next?Heres my status: 150k combined income 15k in liquid savings 400k across all retirement accounts I max out my 401k contributions, spouse contributes about 6k a year Roth IRAs are both maxed Starting a Florida Prepaid 4-year University plan next month 21k remaining on car loan at 0.9 228k remaining on mortgage at 3.99 I churn credit cards no debt and bank account bonuses for fun, and to pay for vacationsWe try to live below our means, so sometimes Ill have a little extra each month. What should I do with it? Put it towards mortgage, the highest interest debt we have Put it towards car payment. Spouses car is 6 months old, mine is 7 years old. This would allow us to maintain a single car payment whenever I decide to get a new car Put more towards retirement? After spouse maxes 401k contribution, whats next? Save the cash for now, because having a kid is expensive, and I have no idea what those expenses will be Just spend it and enjoy it. I dont mind spending money on experiences eating out, vacations but I rarely like to spend money on tangible stuff clothes, electronics. That being said, there are things we would like, but dont necessarily need a better fridge, new landscaping, housekeeper ???  <response>: Have some fun man, you never know what life has in store, use the extra money and create memories. You Already have your ducks in a row, enjoy more life. 