<prompt> Human: Hey Personal Finance Folks. Ive been lurking for a while and wondering if the generous experts of this group can help me with any advice, input, insight, commentary, etc. Im 27, live in small town in Midwest. Goals: Save for retirement, buy house in next 2 years, minimize debt. 3080 Net Income Gross is 51,500yr385 per month IBR plan for Student Loans. 160,000 at 7390mo Car payment Insurance. 14,000 left on loan150mo Fuel100mo in Roth IRA Just started this695 Rent, Utilities, Garage80 TVInternet Bundled. Internet would be 65 on its own400 for food drinkrestaurantsentertainment500 directly to savings at beginning of month380 for other things Clothing, car repairmaintenance, gifts, travel, etc. Any extra funneled into savingsMaxed out 401k matching at work, for total of 4 started Jan. 201415,000 in savings. Emergency FundSaving for HouseMedical Insurance provided through work. No cost to me. 100mo in Health Care Savings Contribution from Work.No credit card debtThanks in advance for your advice. I appreciate the help.edit: Trying to fix formattingAssistant: Unless you bring down your 160k in student debt drastically, you will not be able to afford a 20 down payment or get a competitive mortgage rate for a home in 2 years.Human: I agree with uaBoglehead. At your current rate of paying down your student loans, you will not be in a good financial place to buy a home for many years.Honest question: Do you expect the loans to disappear through a government loan forgiveness program or some such? Assistant: Im entry level at my job right now. Within 5 years, I will likely be making 120-150kyear. I plan to make proportionate payments to the student loan debt or to live on a 50k budget while funneling any salary increase to pay off the student loan debt. Also, houses in my area that fit my requirements are around 120-150k for what its worth.  <response>: Within 5 years, I will likely be making 120-150kyear. Whoa. So, you live in a small Midwestern town but you expect to be making that much in a few years? That seems extremely optimistic. What line of work are you in? With 160,000 in debt, I assume its medicine, perhaps a lucrative law practice? I certainly wouldnt feel comfortable assuming Id be making x amount in x years unless my contract said so. 