Try to also think about getting out of debt, too. I have student loans, but they're at a paltry 1.6% (read: awesome).
I have zero credit card debt, but have four mortgages (I have a place back in DC and a primary residence here). Trying to pay down my mortgages, though that's the only tax write off I have at this poitn (kids don't amount to much).
Then there's your kids' college fund....
At minimum, max out your retirement (my group we do individually 48-49k a year). Anything on top of that is icing.
Author of the PIMP Protector
Nova Southeastern University College of Osteopathic Medicine 1999-2003
USF EM Residency Program 2003-2006