<prompt> Human: We make about 150k combined per year, and calculated our debt to income ratio to be about 24. She wants to buy a house,but Im leaning more towards paying off our debt. She figured, if we start saving now and pay our minimums on the debt instead, we could have about 30k saved which is plenty for a down payment where I live.I want a house, but I hate our debt, we have been tackling it quite successfully over the last year and if we continued we could have everything paid off in 2-3 years or so. We have consolidated a lot of it into loans so our apr is 9 or lower on most of it but we do have a couple credit cards with higher aprJust looking for advice, I personally want to put her dream of buying a house on hold. Her fear is that home prices are going to skyrocket in our area because its booming with tech industries, we live in Denver and want to stay here  <response>: Finances and marriage are deeply intertwined. What decisions you make on one side will have a direct impact on the other. I agree with your perspective on aggressively paying off the debt and forgoing the house, but even though it may be the wiser option youll have to have her on your team if your planning on moving forward with it. Consider a compromise? She is your first priority, the money is simply there so you can spend more time with her and make memories together. As a financial guy myself, Ive had to learn to concede what may be the most optimal financial plan for the one that both of us can agree on. 