<prompt> Human: Hi PF, me and my husband started our careers late and only started working in our late late twenties. My husband does not really pay much attention to his finances and in my opinion is quite reckless about it, therefore i have taken the responsibility of handling our finances.I will be very thankful if you guys could help me improve our portfolio.Here are the details. Husband Wife Joint Age 34 32Annual income 95000 125000401K 41000 95000health saving account 2300 4400Vanguard VTSAX 26200 66000Stocks mostly tech 17000 95000In Saving accounts 13000 16000Our Rent monthly 1400Cars Paid PaidDebt 0 0401K contribution yearly 18000 18000Health saving account contribution yearly 3000 3000Phone bills monthly 100Grocery bills monthly 500Travelvacation yearly 10000Eating out monthly 300Thanks in advance.  <response>: You make 220kyear and pay 1400month in rent. Youve really got nothing to worry about here. Do you plan to have kids?My priorities would be funding two backdoor Roth IRAs annually and finding a tax-efficient way to divest your individual stock holdings and diversify.You may want to consider working with a fee-only financial planner who can facilitate a discussion between you and your husband about your goals and how to meet them so that you have a neutral third-party helping you work together. 