<prompt> Human: Hello! I have been living debt free for almost a full year. I rent, have a car paid off, and am expecting a child soon! The other day my mentor and I were talking and told me Im in the 12 club due to the fact I carry not a penny of debt. I have a great job not high in salary, 39K and am expecting a child soon. I have 6 months of living expenses saved up, so whats my next move to maximize my opportunity? rpersonalfinance is great and know I can get some wisdom from you wonderful people. All insight advice is welcome, thank you!  <response>: OK seriously thank you for giving me hope... I make roughly 40000 and at my age 28 I always though I needed more and only thing I have to be proud of is that I am debt free. But with my GF hopefully one day wife once she graduates she will be making more than me. Combined we will be making 80K we hope I actually feel very comfortable reading what you guys said regarding kids and saving up. 