<prompt> Human: Myself:- No student debt- New vehicle, fully owned- I make 4,700 a month after taxes. - I owe around 175,000 on my home 3.6 APR- I pay an extra 1,000 a month towards my mortgage- Month end savings is around 1,720 with all expenses paid- 25,000 in savings at 1.2- 10,000 in retirement still working on this- Credit score 800Her:- 270,000 in student loan debt at 5.99 - Pays around 2,200 monthly towards loans- In 3 years she should be able to start contributing 4,500 per month towards her loans - Owns her low mileage vehicle and has no other debt- 10,000 cash in savings- No retirement- Credit score 800Im estimating an 8 year payoff if shes aggressive. Im not sure if we should focus on her debt, the mortgage, retirement, or work on other investments. My common sense tells me to start contributing towards her loans. On the other hand, if we are both fiscally aggressive, we sort of lose our 30s to debt repayment. Assistant: I think you need to do both. Getting that debt off your plate is going to help. But you are right, not saving anything is going to bite you hard later. Why are you paying so aggressively on mortgage? Do you have PMI? I would focus on higher interest debt first, which would be student loans.What does your wife do that she is a quater mil in the hole?Human: Correct - PMI and generally was thinking about buying a rental home in lieu of saving for retirement. That bit a lot of people hard in 2008, but I wanted to keep my options open.Wife is a medical resident and went to private med school. Shes in a low paying specialty but should still be making 150k 2.5 years from now if all goes well.  <response>: 150k a year for a physician? That just seems crazy low, even for family medicine or pediatrics. I mean, Im a nurse practitioner and I make more than that granted, Im in CA. Could she possibly moonlight or work weekends to bring more in? 