Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Is it okay to be married, 30 years old and have no retirement?
As a rule, one should have a retirement. HOWEVER, you also have over a half a million dollars of debt.  Paying down debt is another way to prepare for retirement.  I would say throwing your excess money at your debts is a fine strategy right now.  Especially the student loan (the mortgage probably has a lower rate and brings tax savings, so paying it off is less urgent). If I were you I'd probably put SOMETHING into tax deferred retirement accounts because in your tax bracket, the savings from doing so are significant. The max you can put in tax deferred is $5,500 per year (each) in IRA's and up to $17,000 to your 401(k) each.  The tax-saving contribution opportunities will not come up again...you can't make up for it later. Any retirement saving beyond the tax advantaged part makes no sense while you have outstanding debt.