<prompt> Human: I know that sounds crazy, but here me out...-My wife and I combined make 67,500 a year in a small town -She graduated debt free and I currently am paying off student loans about 36,000 left in loans-We live in a very cheap apartment and pay around 500 a month to live rent and utilities included in that 500-Based on Dave Rameys baby steps, we are very aggressively paying off my loans 1000 a month-We arent putting any toward retirement at the moment as he suggests getting out of debt is 1 priority -Looks like we will get out of debt in about 3 or 4 years -Id like to start saving for a house so that I can get 20 down -We own and have 2 cars completely paid off All of that is fine, except for that fact that I get nervous thinking about the fact that we arent saving for retirement. Dave Ramseys plan says not to worry about it because debt is the 1 priority, but I still am nervous about it. I always hear that the sooner you start, the better. Anyone have any advice or words of wisdom for me?  <response>: Oh I see. Debt vs retirement.Youll pay off your debt in two or so years. But if the student debt interest isnt very high 5co lets say Id save some money, even if its 300month.Otherwise in two years would you have the self control to keep saving? 