<prompt> Human: Quick background. My wife and I make 110,00 per year, we have 40,000 saved in savings accounts, 30,000 in retirement that we dont plan to touch.We have 2 debts 1 45k student loan variable rate currently at 2.1 loan cannot increase more than 1 per year. We refinanced from a fixed at 8.2 PMI balance on mortgage of 18k total mortgage 280,000 the pmi payment adds 67 per month making our mortgage payment 1860mo.No other debts We have a 16 month old and another child due in January. We have 2 old cars a 92 Honda which we will keep and 06 Camry which we would like to upgrade to a van before the baby comes. We were thinking around 15k Should we keep saving as we are until baby number 2 comes, and then pay off debt, or would we be better off throwing some money at some debt now? If so, which debt to pay first?  <response>: Honestly, Id wait to make any big financial moves until mom and baby are both home safe from the hospital.After that, Id go after the PMI, then the student loans. No issue on my end if you decide to leave the loans and instead max out tax advantaged retirement accounts instead. I have no opinion on vans, except that Ill never have one : 