Relax...you're doing fine, even if it seems overwhelming. Based on what you provided, you can make it all happen with ease if you make prudent choices. Since you ask for "advice on ways we should be saving/investing together", I'll offer a couple of points. First, keep it separate for a while...I wish you well, but you never know. Double your emergency savings...$33k is not enough for your income and the area. Live below your income level...you'll lose $30k to taxes and you should try to max your investments (IRAs/401ks)...this may seem like a lot, but if you set the habit you can maintain it. Move to the burbs and accept the commute. I-95 corridor has lots of options...maybe look into Stafford. Nice area and you can buy a lot more house and safety down there. Big weddings are luxuries...but they only happen once so follow your heart or your bank account and live with the decision. Rings need not be expensive and in some ways that choice is out of synch with your generation anyway. Bottom Line: You're fine and life is blessing you greatly...continue to make good choices and enjoy the ride. It's only just begun.