well your buying a home so now youll have a mortage payment, the rest is just wat you do now. put your money in a rothe account for retirement that dont take taxes bro. i dont know how good my spelling is on certain things so keep that in mind. the retirement plan is something u and the misses need to do right away so u live comfortable when u retire at watever you work for. a 401k is also a great idea me and my wife have all this rothe, 401k where they match everything you put in they put the same amount in. but you cant touch it. u can take it from job to job but it has some loop holes you have to do if when u start one place and go to another you just transfer the savings to your new job. kids education if u have a child i dont know. plus your money for pleasure, that we have a joint account in the bank for so it draws interest. but deal with credit unions whenever possible i dont know wat my wife has ours in bank or credit union. but i hope that helped. important: save now for your RETIRERMENT OR YOULL BE SORRY! good luck roid and misses.