<prompt> Human: Update at the bottom, more details and OP has been edited Ill try to be structured here, if I miss anything Ill update the OP so please ask! Im married, have my MBA and my wife has her JD. We just moved to Chicago, IL for two years, after that my company is sending me elsewhere in the US or internationally. IncomeAssets: 122k me 60k her 45k Emergency Fund I was laid off last year in a different post-MBA role, our 35k fund kept us afloat and allowed me to turn down jobs at 80-90k until I found this role, which is very stable Income does not include annual bonusstock options etc. I prefer to budget using monthly cash flow, and all extra goes straight to loans Monthly total is 10,000 take home. that may be a bit low, Ive recently adjusted my 401k contribution and my wife has yet to begin starts in two weeks so thats an estimated amount I went to a great MBA, her law school wasnt that great so law options are limited for her. She will take the bar in July, but no guarantees on passage. She just got a great position at 60k, if she passes the bar I hope that rises to 70-80k but it will never be BigLaw money wrong school, bad grades nbsp;Debt: 130k 2.44 variable SoFi 1 7 year me 205k 4.00 fixed SoFi 2 7 year her No other debt. No car, no CC balance. I walk to work, she starts in two weeks and will take the bus downtown Chicago for both. nbsp; Expenses: 2400 rent see note below, this is only for the next 18 months 1700 SoFi loan 1 mine 2.44 variable 7 years 2800 SoFi loan hers 4.00 fixed 7 years 500 groceries 250 restaurants being eliminatedcut down to 50 120 transportation 100 bus pass, 20 for ZipCaruberetc once a month 20 utilities 10 Netflix 40 Entertainment movies, etc. We have yet to spend this after three months in Chicago nbsp; 2360 left over which goes to an AmEx high yield account at 0.9, then paid into loans every 3-5 months nbsp; ---The plan is to build up emergency fund to 55k just for peace of mind and then throw bonuses, tax refund, savings etc at the loans and pay off by summer April 2021 pay off all loans in 5 years, i.e. early by 2 years. We are newlyweds and would like to go on at least one trip a year in that timespan. Ive projected that we will be able to do it, any advice or tips on what to improve?nbsp; Note: As we are just beginning our careers, I do project income to increase but have not accounted for that in my estimate. If it does, great! We will add the extra to loans. However, I sat down with my wife and discussed timing as we are putting approx. 7k per month towards loans, we could make drastic changes to our lifestyle and it would not materially affect the loan payoff date by more than a couple months. Its the conundrum of high incomehigh debt, at a certain point of tweaking the marginal benefit doesnt outweigh the net negatives for example, is one two months faster payoff worth an hour more of commute each day for 5 years?. What Im looking for, which most commenters were super helpful with, is any tweaks to the budget that seemed off. For example, the restaurant budget was an actual from last month and will be cut to 50 date night a food truck each month. Also, anything not on the budget that should be there is helpful. I think we are on the right path, I could eat rice and beans for the next 5 years and Id pay off this thing 2 months earlier but thats not the goal. Rent: Forgot to mention rent is our one huge fixed cost, we have a two year contract that I cannot break. We moved here from out of state and somewhere close to work and safe was a preference. By paying the extra on this apt I was able to sell my car and save on lease payments for both of us, insurance, fuel, parking 325!, etc. Im only going to stay here for the remainder of the contract, after which time we will get a MUCH cheaper place in my next statecountry. Right now, its not worth the timehassle of moving to save 2-3 thousand in the remaining 18 months if that transportation costs would go up, commute time, Id have less time to cook so more temptation to eat out, moving costs, etc  <response>: This is a very large debt, bigger than most peoples mortgages that they take an entire career to pay off. I really hope your wife passes the bar and finds a well paying job. 