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[quote=Anonymous]OMG people you are crazy. Op is fine. OP ez wor for underfunding 401k you are fine. You do need to figure out to max out your 401ks and IRAs for both of you. At $80k your wife should have access to a 401k so maximin it includes that too. You have plenty in emergency funds so this can be a priority. As for the student loan debt something seems a bit off there given your age and income. A lot of deferral and maybe only recently as this income? That said you have expenses that match your income. You will be good, but you do have good handcuffs. You just need to pay everything as scheduled (with increasing the retirements) until it’s done. It is that simple Make sure you have long term disability and life insurance and I wouldn’t worry. [/quote]
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