<prompt> Human: Im in a much better spot than a lot of people. My wife and I make about 140,000 combined before taxes. We have the money, I just am struggling to understand the best way to go about splitting it all up.We want to buy a house and stop paying 1,600mo in rent, but gotta save for about 40k for a down payment. We have about 110k total in student debt. I also am a stickler about savings. Ive maxed out my 401k and Roth IRA the last two years. She saves about 10 towards her 401k.Monthly after retirement, bills, and loan minimum payments we come out about 3,000 ahead. So we are in a good spot, but how the hell do you decide how to split it all up? We really really really want to be in our own house.So is it worth going back to minimum payments on the loans and putting all the extra cash towards a house down payment?Edit - A house where we want will be about 300k. About 37 of the students loans are 7.65 interest. The rest are 6.55 and under. All of them are federal.  <response>: Houses are a money pit. You build equity sure, but mortgage interest, property taxes, insurance, increased utilities possible HOA fees, fixing everything that breaks and things will break maitenence and sinking funds for the new rooffurnace youll need in a few years, it all adds up and makes paying the debt off so much harder. Suck it up, trim the budget and pay it off, then buy the house 