Brian’s main concerns, in his own words: My wife and I are in our early 30’s. We have been on the wrong track financially for years. We got ourselves into some serious financial trouble early on in our marriage. Since then we have made a serious turn around. We have paid off somewhere in the neighborhood of 60-80K in debt in the last 2 years. We are starting to finally see the light at the end of the tunnel. We have paid off her student loans, our car, and all credit cards. We feel like it’s time to start preparing for the next step and don’t really know where to turn. I have 14k left on student loans and a small amount of medical. We have very little in retirement and about 8k in savings. We need guidance on where to go from here.