At the end of the day, I just want to have a better balance. Financial security and independence first and then hopefully time to indulge down the road.
Hey Primus! Welcome to the forums. Seems like you are on the right track. Here’s a summary of your situation…
$230k per year
1k Emergency Fund
310k IRA & 401ks
296k Mortgage 15 year note at what interest?
65k HELOC at 5.38% interest
10.8k Student Loan at 5.69% interest
34k Student loan at 2.9% interest
The most glaring thing I notice is the 1k e-fund. You make over 19k a month. I’d seriously beef that up before tackling the debt don't you think? If you have an emergency you want to be prepared.
What does your budget look like? You could share it with us so we could help you see what could be cut.
How much are you spending a month? How much did you spend in August 2014? Have you considered using http://www.mint.com
to track your spending? Many people on here on the SA site recommend it. We have used it for about 5 years now.
D. Long-Term Plan
I do agree with VinTek you need a long-term plan. When do you plan to retire? How much do you think you’ll need to retire comfortably? Do you plan on saving for your kids education?