<prompt> Human: So, to give you more info we live in Puerto Rico and since there is a massive exodus of young professionals, the government signed a bill for Medical Doctors to pay only a 4 income tax for his income threshold he should be paying 30 without the new bill. We are considering buying a house, but the economy here is very dramatic, I dont expect any economy recovery in at least 10 years, so dont know if its a good idea. So, what should we do? Buy a house? In what he should invest for a proper retirement plan?  <response>: Live modest, pay off your debts, and save for retirement. Just because you are in good shape now doesnt mean you will be in 5, 10, 20 years. 