what should I do?

[m5mulli]

I have 32k in 401k.
Household income is about 95k.
I have a mortgage. And a student loan of 14k.
No other debt.

[iamlindoro]

To answer the question in your subject line, you should elaborate.  A lot. 

This board will give back to you what you put into it-- but from what you've put in so far, nobody can give you a good answer.  Cut your costs.  Invest more.  Pay down your debt.  Which of those you should do, to what extent, and in what order, are impossible to determine from the haiku we've got so far.

[wtjbatman]

You need to go to this thread, which describes how to make and format a case study post.

Then you need to actually read it, do what it says, and post again in the "Ask a Mustachian" sub-forum.