u/Distinct_Turnip_5617

Married [M30] wife [34]. Wife is self employed making 30k a year and i make 130k. Opened a roth ira for my wife just this year she has no clue about retirement before slowly starting to understand now.
All ETF’s only for roth ira and 401k taxable brokerage has individual stocks.

Monthly expenses:
Mortgage: 2k
Utilities: 500
Car insurance:250
Gas:400(for wife)
Food: 600

Debts:
Mortagage:220k
Car-loan: 16k
Credit cards: 10k

Assets:
Taxable Brokerage: 10k
Roth IRA: 38k me wife 2k
HYSA: 45k