<prompt> Human: Hi everyone, Im sorry if this is a bit of a stupid question, but I could use some financial guidance.Im 30 years old and married. Over the last year, my income has jumped from about 40K to 150K per year. Ive never really had money in my life, and am currently renting an apartment.I have 90,000 in student loans remaining, but really hate the idea of renting since I see such a sizable chunk of my income disappear I live in California. Its always been a dream of mine to be a home owner, and I also know that were holding off on having kids until we live in a house. I dont have enough for a downpayment saved yet, but if I really try to pay off my loans right now, itll be awhile till we can buy a home. Do people traditionally try to pay off their loans before buying a house? Is it irresponsible for me to buy a house before paying off my loans?  <response>: Something to think on: based on the cost of the house to would like to buycan afford, have you factored in the cost of continuing to pay student loans in addition to a mortgage, and potentially children. Can you afford a mortgage and student loan repayment, in addition to regular monthly expenses, child expenses, and emergency expenses assuming you arent buying a brand new house under warranty? If not, then you have answered your own question. I would either pay off your student loans first, or simultaneously save a small amount for downpayment while also paying a slightly reduced student loan, so that when you are ready to buy your remaining balance will be smalleryour amortization period shorter, even if it isnt paid in full. Honestly though student loan interest tends to be high, so you save more long term by paying your loan balance off faster vs what you would make on that cash sitting in a savings account for a few years. 