<prompt> Human: Hello, Im a college senior and in May I will be graduating and getting married. My fiancee will also be graduating in May. Im looking for advice on how to financially survive our first year of marriage. This first year being June 2015 - May 2016.So heres the details:Our only current debt is my car loan, which is 14k. Its a 5 year loan with an interest rate of 0.9. I pay 254 a month. Both our schooling and living expenses have been paid for by our parents.Weve both worked part time throughout college. She will have 3k saved up by graduation, I will have 10k saved up. We will use her savings to furnish our apartment and buy anything we need that we didnt get from our wedding registry. My savings will act as our emergency fund.Next school year my fiancee will be getting her Masters Degree in education. We will have to pay her tuition which will be about 15k.Ive estimated our expenses to be about 2k a month, so 24k for the year. Adding her tuition on top our total expenses will be 39k.I currently work as a waiter in a restaurant. Based off my earnings for this past year I estimate my earnings for our first year of marriage to be at least 30k. This job is my last resort, Im hoping I can find a better job after I graduate.Chances are my fiancee will only work during the summer, earning between 3-5K. Theres a possibility that she could get an apprenticeship that would pay for her tuition but were not sure how likely that is.She will graduate with her Masters next May and will be able to work after that, so after this year we will have two incomes which will be approximately 60-80k overall, our expenses will also rise to about 30-35k a year.We would like to avoid taking out a loan for her tuition as much as possible, but I would also like to not use all of our savings to pay for her tuition.So Im looking for advice on how best to approach this coming year for us. Should we take out a loan for the tuition, or should I dip heavily into our savings? And is there anything Im not thinking about that we should plan for?  <response>: I think you should continue to use your savings as an emergency fund. The best thing you can do is try to get a better job. You have a college degree, you can and should be making more than 30k a year as a waiter. 