<prompt> Human: Currently we are living with parents so that I can pay off my student loans 30k total, have already paid off 5.5k. My salary is 59k, my wife does not work much, her salary sits near 5k.Our current budget follows a 10-10-80 rule of thumb, meaning 10 gets tithed yes we are church goers, 10 gets saved, and the other 80 is for everything else. Everything else covers groceries 500 a month, which can be easily adjusted, car insurance 190 a month, roughly half of my bi-weekly paycheck 850 goes towards paying off my loans an estimated 75 in gas for 2 weeks and then 50 a week for my own personal useAt work, I already get health, dental, and vision insurance deducted, as well as a legal plan for any help I need with legal matters. Life, ADD, LTD, and STD are covered by the company every paycheck. Now, the company does offer a 401k plan, which matches 100 of 0 x 3, and then 50 of 3 x 6The company also lists Roth 401k contributes, but I have no idea how that differs from a regular 401k, or if it differs at all. But really, I just wanted to see if we are currently on a good track for saving and budgeting...I know I could put some in the 401k, but I have no idea how much. I was possibly thinking 50 a month so my loan payment wouldnt drop too much, and it wouldnt prolong my loan repayment period as Im on track to finish paying loans off by the middle of next year.EDIT: I also just read this line bit about company matching for the 401k... Company will match pre-tax and after tax contributions at the rate of 100 of the first 3 pay you contribute per pay period, plus 50 of the next 3 of pay you contribute per pay period. In other words, if you contribute 6 of your pay each pay period, Company will contribute 4.5 of your pay each period! The full match will be given for those who contribute 6 of pay, regardless of when those contributions are made during the year. ...I dont think this changes the information I gave above, but idk.Assistant: Out of curiosity, why doesnt your wife work much? What does she do all day? Human: She works more dayshours of the week than I do to be honest. I shouldve said her job is not nearly as well paying as most other peoples.  <response>: Normally if something is left untouched I move on thinking its none of my business, but the way youve worded this really drives up my curiosity. You say you work for the church ministry, does she also do this and just not get paid? 