<prompt> Human: My SO and I are working on our debt snowball. We keep finding ourselves lost as to how to mush everything together.We both have decent jobs and make a fair wage.We currently have planned a destination wedding this October and have a budget somewhere between 5k-8k depending on which options we select and we have already sent the Save the Dates out.Were trying to decide if we should spend 10k on a long honeymoon or put off the honeymoon for several years and use it to pay off student loans.I am currently going to school and am getting my current federal student loans at 3.76 consolidated government existing loans are at 5.25 and 5.69 for private.Things that are up for debate:Use all extra monthly income to pay off all student loan debt first based on our calculations this would pay off the student loan debt by end of 2019Save money for honeymoon and then pay off student loan debt . We plan on using my decent tax return as the start of the honeymoon savings account 5kthe budget for the wedding is already accounted for separately and sitting in savings 8kSave money for aging furnace and central ac 22 years old each and then start paying off student loan debt We guess between 5k-8k to replace bothUsing my current school to get loans at 3.76 and use that to pay off the higher interest loan at 5.69 and then pay this off at the end of the snowball.Here are the specifics:My student loans:Government Loan- 8600 5.25 and has 141 payments left at a consolidated monthly payment of 85Private Loan - 13,600 5.69 and has 114 payments left 173 a monthEngagement Ring- 8719 10 and has 48 payments left of 214 a monthSOs student loan:Government Loan 33,240 with average interest rate of 5.75 and has 96 payments left at 329 based on minimum payment. In May she is starting to pay an extra 1000 a month on her loan.Including the extra 1000 she is putting on her student loans we have an extra 2000 total to put towards debt or saving for the honeymoon or eventual replacement of the furnace and ac.I recently lost my job and got a severance package and was able to find a job within a timely manner. We plan on using the severance package to pay off the engagement ring since it has the highest interest rate and giving us the extra 214 for snowball.If we forgot anything, let me know.Assistant: Dude. Youre up to your eyeballs and 8719 for an engagement ring? Destination wedding?10k honeymoon? What the actual.EDIT: My wife just skimmed this and has the brilliant theory that you are ever so neutrally posting these details to solve a dispute between you and your significant other, where you are trying to be the responsible one and your SO is thinking you have plenty of cash to blow. I am guessing your SO is the one siding with cash to blow only because of the 8719 engagement ring. Please confirm theory.Human: Yep, thats why were here asking so we dont continue to make more mistakes.  <response>: Definitely defer honeymoon. Target the engagement ring first. After ring is paid off make normal payments on all the other debts while saving an emergency fund which should also be large enough to cover hvac repair. After that start hitting the 5.XX loans. 