Generally, the format is too spend some, save some, and give some. 10% to charity, attend maybe another 10% if you feel like it, save the remainder. For savin

Generally, the format is too spend some, save some, and give some. 10% to charity, attend maybe another 10% if you feel like it, save the remainder. For saving, make sure you have a good emergency fund of 4-6 months of expenses. Then start paying off debts, ending with your mortgage. Whatever you have left, put into a balanced set of mutual funds that have risk according to you tolerance for it. Pretty standard Dave Ramsey advice.