If you have no debt & own your home then count your blessing Brother because you are already better off than the vast majority of folks in the U.S.A. right now.
But, Look at this U.S. economy right now with a HUGE question mark for the future.
Consider also that your paycheck & mine and everybody elses will be worth less in the coming years and utilities Natural Gas, Electric, Food etc. prices are going to stay OK for a while longer and then may skyrocket at the same time the value of a dollar declines. In short the price of everything is eventually going to go up after a short tick of prices going down.
With the way things are now. I would tell her to stick it out for a while longer and use her paycheck to buy physical Gold in the form of Canadian Maple Leafs and American Gold Eagles.
Just one mans personal opinion.