<prompt> Human: Hey guys! My wife and I just hit the 50K mark in our savings account, a goal we set a while ago. Trying to figure out the best path forward now. Do we start to take what we were putting in savings every paycheck and apply it to the mortgage? Save more? Other investments? The truck payment is 0 interest so Id like to keep paying on that monthly to keep my credit active. We both max out our 401k through our work and thats about it as far as investments go.Assistant: Several have already mentioned Roth IRA, but that would be my first move. Look to see if you have an HSA with your insurance, as well.Do yall plan on having kids? If so, look into a 529. Human: Have an 8 month old. 529 plans are good but I dont want the funds to be required for education. What if he doesnt go to college?Assistant: 529 funds can now be used to pay for private school K-12 tuition.Human: Hell be going to public school. Theyre rated among the top in the nation one of the only benefits of living in such a liberal state. Plus, the only local private school is a catholic school and Im atheist...  <response>: As an atheist who came from an atheist family and went to a Catholic school, it doesnt really matter as long as they are well rated. I got an excellent K-12 education that set me up for a ton of success in life. Sure, there was some religion in my education, but there were kids with all sorts of different beliefs atheist, jewish, other denominations of christian, etc. at school and it wasnt a big deal. If the local public schools are really that good and you dont see the benefit of the cost, then maybe it makes sense for you to send your kids to public school. But I would not discount the value of a private school education just because its catholic. Some of the best high schools in the country are catholic. 