<prompt> Human: Im 33yo, married, with 2 young kids. Im looking for some advice on my current situation.Weve got about 800K in net worth, and little debt wifes student loans of 35K at 3 interest. Combined income is 220K sometimes more wbonuses. Weve got 150Kin our 401ks IRAs mostly in target retirement funds, 200K in cash. Ive been fortunate go get significant equity positions at the firms Ive worked for which is where some of the cash on hand comes from, but a lot of it is still not liquid. It is split between two companies, one Im about 400K in the money based on a recent transaction and the other Im about 50K in the money. I have an additional significant slug of equity in the first company current employer, that isnt currently in the money. These are not startup companies- they are both profitable firms in boring non-techy sectors. That said, I understand the risk of private companies. We dont currently own a house, as we dont plan on staying where we are for more than a couple of years. We will probably buy when we do move in several years. Im planning on making a decent amount of 529 contributions for the kids, and I am ultimately going to seek some professional financial planning, but I wanted to get some opinions here. Should I completely discount the equity Ive got in the private firms until it is liquid? Should this influence my investment strategy?Assistant: I would suggest getting rid of the student loan as quickly as possible. It isnt a large amount given your income but it would be one less liability. After that, my recommendation would be making a mortgage payment to your self. If you do that for the next few years then once you are ready to move you will have a nice down payment built up. You may even be able to pay cash for a house depending on the market in your area and how much you set aside.Human: I kind of emotionally want to pay it off, and it is relatively small, but it seems like a poor use of cash with a 3 interest rate. Maybe Ill do it since I know it would also make my wife happy to know it was done.  <response>: You have 200k in cash, which is earning nothing, so a 3 surefire return is pretty decent, also it just gets it out of the way. 