u/zucchichi

My husband (29) and I (33) are trying to actively budget and plan for retirement this year. We have always put away savings/retirement but without much of a plan. We will not be having children.

Looking at our current state I feel we are in a good spot with budgeting but, know we are behind on retirement. Our current goal is to save for a house downpayment for sometime next year but, are also fine waiting. Below is our current numbers. Trying to see if there is a better way we should be directing our money at this time.

Me

• 74k
• 6% 403b
• 4% match
• ~3% 401a
• $300 monthly Roth IRA (starting this month; previously contributed but stopped)
• $284 monthly to HSA

Husband

• 85k + 5% bonus
• 6% 401k
• 4% match
• $300 monthly Roth IRA (opening this month); previous traditional IRA from old employer
• $120 monthly to HSA

Debts

• 36k car loan 5.44%

Savings

• 16k emergency fund
• 9.5k Downpayment; contributing 2k a month
• 4.5k- miscellaneous saving for upcoming trips (weddings), christmas, car maintenance etc.

Retirement Accounts

• Roth IRA- 4.3k
• 403b- 52.6k
• 401a- 2.3 k
• Trad IRA- 14.7k
• 401k- 8.4 k

Total Assets: 112k Total Debts: 36k