<prompt> Human: ME GroomIncome144,000yearDebt37,000 18k Student 19k Auto - Monthly Payments: Auto-375, Student-425SavingsRetirementCash Savings Emergency Fund: 15,000Retirement401k: 17,000HER BrideIncome67,000yearDebt77,000 71k Student, 6k Auto - Monthly Payments: Auto-175, Student-1,100SavingsRetirementCash Savings Emergency Fund: 4,500Retirement401k: 10,000After we get married, should we keep our Finances separate for awhile, or join them right away? Does our Debt and Income levels change whether its a good idea or bad idea now vs in the future?My original thought was - after the wedding Id try to pay all of my student loans off as quickly as possible, then start focusing on saving for a downpayment on a house. Meanwhile, I thought itd be a good idea shed continue focusing on paying off her loans as quickly as possible. Shes about to get a 300mo raise, I think shes planning to but most of that raise to her monthly student debt payment. Does that seem like a decent plan, or should I consider other waysalternatives?Also, with how much debt we have, is it realistic to think we could safely afford to buy a house in 2 years?Assistant: The correct answer is whatever works for youHonestly, I would be WAY more concerned about making 144K a year and only having 17k in retirement savings. Human: Our company didnt have a 401kretirement until Spring of last year. The 17k is actually 6k from previous job, and 11k at my current employer.Big raise was in July last year, which basically doubled what I was making before. Timing couldnt have been better, because thats around the time I spent 3-days in the hospital and was diagnosed with an expensive, lifetime disease.Youre right though. Retirement is very low. Should bump up my contribution after the wedding. Just tough to know what to prioritize right now.  <response>: At 144,000year, you should be able to hit the max 401k yearly contribution without breaking a sweat. 