<prompt> Human: Hello, I am just trying to get some advice on how to retire before age of 45 through smart money management and investing. My wife and I currently make about a combined 100k. We have about 30,000 left in debt to pay off done by the end of this year. I am only 22 and she is 23. If we both want to retire by age 45 with enough investments and savings to live well off of for another 50 years, what should we be investing now? And in what should we be investing 401k or mutual fund or both?. Any advice would be great!Edit: Would also like to keep enough investments throughout 80 years of life so that it creates Generational wealth for my kids and their kids and their kids... you get the point.  <response>: Theres a sub for that: rfinancialindependence 