hi , i am confused with few things i am considering and want to know your views on it . let me put here my unfiltered thoughts here about where i stand financially and how to improve from here . 1: So far , i pay about $1500/mon for the day care , buy baby stuff / my basic stuff , paying medical bills and some grocery shopping , some spend on takeouts if i have to work long hours on a day , paying loans taken during fertility treatments and such which mostly comes up to another $1300-1500/mon. 2: i also take a pay deduction of about $1500/mon towards 401k then dependent care fsa , hsa and some other benefits that round up to $500. 3: i got stock assets every year since i started working and more so since i joined my new role so this november i will have part of these stocks vest and some more next year and so on. Those stocks are worth $50k . here i have options (want to know your view on the best one ) : i) I can pay 40% tax on those stocks and keep it in my brokerage account without selling any of those. So in future whenever i want to sell those i only pay the tax for the extra amount it has grown since i bought those stocks . I think its called capital gains tax ? So here in order to pay the tax i would need around $25k approx. by november that i dont have right now . I would probably need to take a loan for that. ii) I can let them sell the shares , cover the money for the taxes and then they convert the remaining amount to shares again which we can keep or transact , the tax is same 40% . I dont see the difference in both or maybe i dont understand . So either way and including other previously vested shares i would have ~$35k by end of the year. I have about $12k in loans that I am trying to pay off asap. If I reduce the 401k contribution i would be able to pay off my loan in the next 4-5 months . Initially i used to think that i should transfer all of my stock earnings to child's college plan but lately i feel this strong urge to own at least a small apartment in india from my earnings even if its a one bhk or a small condo . So i am thinking I for the time being save some small amount in college plan and 401k and put max. towards buying a home in india . Note :I dont pay towards household expenses . How should i work on saving for the home , lets say with a target of 1-1.5 years to save for the down payment. Only I plan to put entire money towards buying the property so want something very basic , not expensive . I think I would be able to pay$1k in emi min. if i adjust 401k and other expenses . City i am planning is Hyd , in an average area. thank you for your help as always .