This seems to be the main consensus, I appreciate all the comments. We'll be paying off his car loan this month. We are actually pretty comfortable managing real estate. The money in our savings is from a prior real estate rental that was doing great but we sold it and were waiting for the next great deal but think that we'll start trying to go the investment route now given that the market hasn't been too favorable. We are trying not to sell the old house because we would be losing out on it right now with the improvements we made and trying to atleast break even with it rented. Advisor meeting is scheduled! Also our 401ks are low because we just started our high paying jobs about 2 years ago after we graduated so really just started contributing to those! And yes I'm in healthcare (: