<prompt> Human: Im a 24yo masters student close to receiving an officer to work in Santa Barbara CA. Im done with school, and will just need to finish writing my thesis over the next semester.I have no kids, or big debt such as credit card or car loans I own my car, 2012 with 70k miles. I do have about 150k in student loan debt, and a few stupid stuff like phone bills that I play to pay off once I start my job.Ive probably havent made 50k if you added up every buck Ive made my entire life so this is a sudden increase of income that I couldnt have imagined a few years ago. I also qualify for a VA home loan due to ny army service, and upon moving have about 2k saved up to get on mu feet. I want to 1 Become a homeowner 2 invest in stocks and 3 retire a millionaire before 50. Does it make sense to buy a home in a cheaper part of the area, like lompoc?Does it make sense to forgo a savings account initially but invest that into stocks, and what should I use the money saved during the 6 month loan deferment period for?  <response>: Pay off your student loans before you even consider buying a house. Dont say you dont have any debt when you have over 100K in student loan debt. 