M$D: October 28, 2027
Meet Tatiana.
Tatiana’s main concerns, in her words:
Hello Pete,
Our goal is to be debt-free except for our house by November 2019 if not sooner!
What can we invest in that will increase our net worth and minimize our tax liability while we are paying down debt or should we ignore that and just focus on the debt and just save min to 401k and HSA until then? Also very concerned that our ER savings is very small for our in income.
When will we be millionaires?
Ages: both 46 years old.  Two adult children and three grandsons.  1 child in private college. Our pay went up substantially in the last 10 years.  Both of us went to college late in life. And made lots of mistakes over and over again along the way! Including short sale of two homes 7 years ago.
Facts and figures:

* Husband income: $190,000
* Wife income:  $78,000
* Monthly take home pay: $11,000 after taxes, ins, 401k, FSA, HSA and $600 a month to brokerage savings account.

We are using a budget for the first time in our 27 years of married life and still are working out the kinks! Have maxed 401k’s, but would like to do just the matching amount for 1 year to pay down debt.  My husband – 5%. Me – 6%. Retirement balance: $376k. ER Saving: $5,000
Mortgage: $325,000 (appraised at $410k). Refinanced at 20 year fixed @ 3.5%. Pay biweekly ($1,150) and a little over for a total of $2,300 a month.
Term Life Insurance-due to renew in 2018! Husband – $500,000. Wife – $350,000
Cash flowing youngest daughter’s private college.  This ends in May 2017!!  Woot woot! This will free up $23,000 a year!!
Debts besides the house and in order of our payoff focus:

* Parent Plus Loan: $6,000 @ 7.2% and paying this first at $1,250 a month or more if possible.
* Lazy Boy: $5,000 – zero interest $303.00 min.
* Truck Loan:  $20,700 @ 3.75% $670.00
* Leaf Loan: $27,000 @ zero %  $450.00
* Stupid Loan- Promissory Note from HELOC for a home we don’t even own anymore! $38,000 @ 2% $400