 versus like catching up on some retirement no we don't do any retirement you're going to put 15 of your household income into retirement if you're not doing that get that set up after you're married automatically going into 401ks and roth IRAs no more that's enough that's plenty you're only 31 you're only 31 and you're going to get the house paid off very quickly and then you're going to kick up and as soon as the house is paid off you can put more than 15 in but you're not behind you're fine