My husband and I would like to make the most of our extra money before we have kids. What are the best options?

My husband [M27] and I [F25] have been saving and doing home repairs for the last year. All of the major home issues have been addressed and we currently have 7 months worth of emergency funds in the bank. We do not have any debt aside from our mortgage (5.25%) and we already pay some extra principle each month.

We typically save around $1200 a month as we have no kids, but we plan to start a family in 1-2 years. My husband works at a smaller company that does not offer 401k so we have my 401k contribution set to 15% to help make up for it. We do not have any investments other than 401k. I recently became eligible for my work's employee stock purchase plan at the 15% discount. I would have to hold the stock for a year before selling. We have thought about buying quite a bit of stock but do not know if we should sell as soon as we can or try to hold it longer term.

What would be the best option for us to put our extra money into for now?

2 Answers

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