<prompt> Human: So I got married this summer and just turned 30 and this forum seems to have some great advice. I wanted to see if anyone has some advice on my financial situation, especially since I have monitored it very closely the last few years. Here are the stats:1. Earnings: I make about 190,000 living in a fairly low cost of living area. My wife doesnt work right now since we just moved here but hoping to get earnings up to 225,000 once she finds a job.2. Student loans: I have about 125,000 in student loans at 4.2 for 15 years. I have refinanced a number of times and gotten good rates. Looks like I refinanced right before rates dropped again not sure how but I pretty much pay monthly minimums now since I paid off half of my grad school loans already.3. Savings: we have about 130,000 sitting in a high yield savings account and about 7,000 invested in a few stocks post-tax.4. Retirement: we have about 90,000 in 401k and IRA accounts combined.So we are thinking about buying a house for 300,000 - 450,000. I know we can afford it, but the thought of taking on more debt is scaring me. Also, I dont exactly love my job I hate it, and my profession is something I cannot imagine doing for more than a few more years. Wanted to see if people think we are in a good spot to buy or if the flexibility of having lots of cash and renting is better for now. Also, should I continue paying large chunks of debt down? I was paying 3500 a month I student loan payments until I halved it and now Ive been concentrating on saving more. We also will be buying a car used and financing it so well have more debt there.Anyways, just wanted to get a sense on how Im doing considering I just turned 30 and Ive begun to think about how to set myself up financially to get out of my profession. Any advice or comments are welcome.Edit: seems like no brainer is to forgo the house for now. Definitely feel that way as well, I just get a lot of pressure to not throw money down the drain. Given that Im finally in a low COL area it is enticing to want to buy something that is more affordable can buy a nice house for 350k, but think its for the best that we dont.Also, I plan on paying debt off much faster again, but people just dont understand how having that much cash on hand makes you feel way better about your situation.  <response>: You should focus on your loans and wait a few years on the house. If you really dont like your job, buying a house would lock you into a location, making it harder to change jobs.Consider cutting a huge check 75k from that savings account. The instant 4.2 return on your student loan debt is certainly greater than the savings account rate. 