<prompt> Human: Long story short, my wife and I very foolishly took on about 50,000 of credit card debt a few years ago during a house renovation. We have been digging ourselves out ever since and this month finally paid it all off. We currently have about 3,000 a month to invest and dont have any current investments. We are obviously new to this but wanted to start to put together ideas of how we move forward. We will be meeting with an adviser soon but I wanted to start to put together a game plan.A couple of notes worth mentioning:-We are both in our early 30s-We are both in very good jobs with high ceilings, so this amount should continue to grow.-We have one child currently and plan to have at least two more.-Our companies both offer 401k programs but with no matching.-The only debt left for us is a 20,000 car payment at 4.5 and 260,000, 30 year mortgage at 4.25-We would both like to try and retire in our early 50s, might be a pipe dream but its a goal of ours.edit: we have a emergency savings with about 3 months of expenses in it.  <response>: Follow the prime directive in the sidebar. Built up emergency fund - Max Roth - Max any HSAsif you have one - Max 401k - regular brokerage accounts.Dont meet with any financial advisers that makes their living selling you insuranceinvestments. Dont worry about the age limits on IRA withdrawals either if you are shooting for an early 50s retirement, there are ways to access that if you have a well planning out early retirement. 