My wife always just fills out her own insurance, but this year she finally brought home her benefits documentation for me to look over.

Found out she has an HSA option! Next year after the baby is born, we will definitely switch her. They even contribute $1,350 for individual.

So that means next year we will be investing(including employer contributions): $3,500(hsa)+$7,000(hsa)+$6,000x2(roths)+~$16,200(my 401k)=~$38,700!

I also plan to grow our emergency fund by $250 every 2 weeks and continue to pay a little extra on mortgage by rounding up from $850->$1,000.

Not much for some here, but for us this will be the most ever by a lot.