先回答这些问题?
401(k) 有没有放满?
Do you put money away for your son's education? In 6 years, you should have around $300k for a 4 year private university education. I have seen plenty examples of kids getting into a top private university, but parents can't affort them.
Do you qualify for Roth IRA? If you do, do you put money every year?
Do you have 6 month of living expense as an emergency fund?