<prompt> Human: PF: what is the best way to save for a house? How should I get there? Im 23 years old with an HR job for a well known company. I make 47000 a year. I have 1600 in my checking, 6000 in savings, 1800 in my Roth IRA, and 3000 in 401k. My car payment, including insurance, is 300 a month paying off in a year, and my student loan is 140 a month. 9000 balance at 6.55. Housing including utilities and internet is 370 a month. Cell phone is 43 I spend about 250-300 a month on food. 100-150 a month on gas.Can you help me put a plan together? Looking to purchase in 5 years  <response>: Id get rid of your debt. Right now you have 6000 in your savings earning at most 1, while paying 6.55 on your loan. You are losing money in interest. If you pay it off fast this year you will save the interest, plus no longer have those payments, which will help a bunch over 5 years. 