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How to get started with savings, paying off debt, and retirement?
You have a small emergency fund.  Good! Be open about your finances with each other.  No secrets, except around gift-giving holidays. Pay off the debts ASAP.  Don't accumulate more consumer debt after it's paid off. I wouldn't contribute anything more to the 401k beyond what gives you a maximum match.  Free money is free money, but there are lots of strings attached to tax-advantaged accounts. Be sure you understand what you're investing in.  If your only option is an annuity for the 401k, learn what that is. Retire into something.  Don't just retire from something.  (Put another way: Don't retire.)  Don't wait until you're old to figure out what you want to retire into. Save like crazy before you have kids.  It's much harder afterwards.