No. of Recommendations: 1
Man....wish I was in your shoes. No credit card debt?! Kudos to you my friend, Kudos....indeed.

I don't consider a mortgage real debt.

So there's 15% of income left over...
I would make the regular mortgage payment...
Put about 3% of the 15 toward principal on student loans...
Then split the remaining 12% evenly between the stock purchase pla and the 401k...
Normally, I would go heavier on the 401k because it is not as risky as the ESPP, but since you get 10% matching in the ESPP and none in the kind of makes up a bit for the volatility of stock purchase plans. (At least to me).

Then again, it depends if his companies stock is at an over valued price right now and is kicking butt...I probably wouldn't go for that route...if it's in the toilet andis only going to go up...then maybe a little heavier than the 401k.

Those were my initial thoughts...

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