LSUDogCat

My price dropped by 50% when I moved from LA to Texas.

I own a catahoula. Great dog, extremely loyal, hell of a watch dog, affectionate when he wants to be but than leaves you alone also. If you really want one of these be prepare to get your exercise. You have to walk, hike, or run with is breed every single day. This breed of dog needs a job.

I just came hear to spit ball ideas with people. I'm not going to take everyone's advice but like I said, I'm a long time lurker and feel like a lot of posters on this board have a lot of good ideas.

Long time lurker….normally keep my financials close to my own chest. I feel like I am a good saver but now I feel stuck on what my next steps financially should be.

Overview:
Married 29 years old (kid on the way)
Personal income $135,000 minimum (No OT) -- estimate $160,000 (OT) annual
Wife, looking for job (Just moved) Previous job $80,000 annual

Total Estimated total annual income of 2018-- $215,000

Current Retirement/ Investing Accounts:
Self- $24,000 in Roth IRA (vanguard)
$9,500 Traditional IRA (rolled over from former 401k) (Vanguard)
$5,500 (Vanguard Index Fund)

Wife-
Vanguard Roth IRA 11,000
Previous Employer 401k -8,000

Accomplished Goals
Out of Debt
$15,000 emergency fund in Money Market Account 1.2% interest
Purchased Disability Insurance

Current/Future Goals
Term life or permanent life Insurance?
Saving for House (20% down believer) –starting with next pay check
Partake in employer 401k plan starting 01/2018 -4% match + 5% profit share
Setting up backdoor Roth IRA?
Setting up/contributing to a 529 College saving?
Setting up more ETFs/Mutual Funds/Individual stock picking?

While I worked very hard to get to where I am today, I have some questions on what to do next. What type of life insurance should I get? Should I bite the bullet and meet with a personal advisor? Should I continue with Vanguard as my main retirement vehicle? Any suggestions are appreciated and will be open to answering any questions.