Long time lurker, first time poster. Just wanted some opinions on my current financial situation and any recommendations from you all. We both love what we do but want to pay off loans quickly and build up a nice nest egg so we can scale back and avoid the pesky night shifts in the future.
Personal: Married, no kids (maybe in 5 years?), HCOL area currently but may move for her residency. No immediate plans for buying a home.
Income: his $60k (PGY3), hers $0 (MS4)
Expenses: ~$1500/mo
Loans: his -$100k @ ~5.9% (student), hers -$100k @ ~5.7% (student)
Emergency fund: $40k
Insurance: his disability + term life, hers none yet
Investments: ~$50k (all Vanguard index funds)
- his and hers Roth IRA maxed x3 years
- his 403(b) up to employer match
- HSA maxed x2 years
1) Would it be wise to utilize other tax-advantaged accounts available via institution (403b or roth 403b) or pay down student loans?
2) Wife likes to keep a good sized emergency fund, any recommendations for better places than a savings account
3) Thoughts on disability/life insurance for wife when she starts her residency?
Personal: Married, no kids (maybe in 5 years?), HCOL area currently but may move for her residency. No immediate plans for buying a home.
Income: his $60k (PGY3), hers $0 (MS4)
Expenses: ~$1500/mo
Loans: his -$100k @ ~5.9% (student), hers -$100k @ ~5.7% (student)
Emergency fund: $40k
Insurance: his disability + term life, hers none yet
Investments: ~$50k (all Vanguard index funds)
- his and hers Roth IRA maxed x3 years
- his 403(b) up to employer match
- HSA maxed x2 years
1) Would it be wise to utilize other tax-advantaged accounts available via institution (403b or roth 403b) or pay down student loans?
2) Wife likes to keep a good sized emergency fund, any recommendations for better places than a savings account

3) Thoughts on disability/life insurance for wife when she starts her residency?
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