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[quote=Anonymous]We are in a slightly different position than the poster of the other thread so I didn't want to hijack that thread or have my post get lost.  But I could use some advice from the DCUM community.

We currently have about 4 months or so of living expenses in an emergency fund (about 50k).  We also max out our retirement savings and have a small amount (about 9K in a brokerage account).

Our fixed debts are as follows:

Mortgage -- $3800 per month (4.125 apr)
Student loans -- about $750 per month (about $120K, 30K is at about 2.85% (floating), the rest is at 1.56% (fixed)).

We are trying to decide what to do with approximately $4K we have available each month.  My thought is put $1K into emergency fund, $2.5K to the 30K in student loans and $500 into a fund for vacations, furnishing the house, etc.

Should we instead be investing more in the brokerage account?  Opening a 529 (don't have one yet and have two small children 4.5 and 1.5)?

Thanks in advance. [/quote]

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