Often, the wedding can lead to some money of the "folding" variety. We took all of our wedding money and put it in various mutual funds and then forgot about it. 7 years later we had turned it in to a substantially larger amount. I think many people (I'm not suggesting you) forget that the reason people give money to you at weddings is so that you can use it as a "nest egg", not so that you can spend it frivolously. It sounds like you are off to a good start. My advice is to max out all of the obvious long term investments: Roth, 401k, perhaps a flexible College fund for those kids you're likely to have. Congrats on the house and a BIG congrats on the upcoming nuptials. Good luck with everything, it sounds like you have a lot to look forward to.