Advice for immigrant couple

Advice for immigrant couple We are an immigrant couple making a combined annual gross pay of 200k (120k from me, 80k from my wife). My employer gives a 3% 401(k) match vested on their discretion, while my wife gets a 6% match vested immediately. We currently contribute up to this match. We have about 35k on an HYSA as our emergency fund. 21k balance left on our auto loan a...

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