re: Debt Free! -- now what?

First, start maxing a ROTH for you and your spouse, then continue to add to your emergency fund. I put this in that order because you can withdraw your roth contributions penalty free, so it can act as a temporary emergency fund if necessary.

Once you've maxed your roth and strengthened your emergency fund, start piling up as much as you can afford in your 401k.

Congrats.