Welcome to the Fool and thanks for your service!I'm sure you will get lots of good advice from the boards and from the Fool articles. I think it's a great idea to go with the target retirement 2040 fund (mine are w/Vanguard- just be sure your fees are not too high). I would definitely fully fund the Roth each year. If it were me, I'd probably wait for the wife to get a job and then put 20% down on a house.Also, put 3-6 months worth of expenses aside in something cash-like for emergencies. It looks like you are on the right track. Good luck and stay safe.Eric
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