[yatendra]

Congratulations. Not sure if this will work for you or not but this is what I did -

* Make sure you have a good health insurance plan.

* 529 account - the day my kids were born I started a recurring deposit 100 with some extra deposit on events like tax refund/bonus etc. I want to have enough to support public college tution.

* whatever I have left after mortgage and monthly expenses, I contribute to each of my accounts in specified order, going to next account only when I reach max limit for that account

     - Checking account (limit 2 months of expenses)

     - Online savings account for emergencies (limit 6 months of expenses)

     - Roth IRA for both my wife and me (limit IRS prescribed limit around 6K per year)

     - Retirement accounts (Robo advisors : regular investment account/IRA)