How are we doing and What should we do next?

[terri77]

You’re doing amazing! I would suggest contributing to your Roth IRA once the house is paid off. You can re-direct your mortgage payments to your Roth IRA.

[LivingAlmostLarge]

I wouldn't get too close to the top of the 12% bracket. Plus you want some taxable funds to balance the roth. Also if you live so cheap you might even get to convert some tax free if you retire super early. That's when it makes sense to never have paid taxes into 401k nor on the conversion.

No kids also makes it easier for planning.