<prompt> Human: Hello all! - Will declare that I am a financial idiot by the fact that I am seeking help on reddit PF, havent started a Roth or a traditional IRA, and have been banking on PSLF x 5 years that I may abandon now, and intrinsically being a physician I have to be bad at finances ;- Situation: 140K in med school debt 6.88, made 50-60 K for the past few years and have been doing IBR 50 payments, now make 175K, have 30K in savings, gf-soon-to-be-fiance has 50K savings that she is willing to give to me to help with debtbuy a house- I didnt refinance, thinking that I have 5 years of 501c experience under my belt and with 5 more, I would potentially qualify for PSLF. Questions:- Now that I make more than the amount for a Roth IRA, should I open a traditional IRA or use the backdoor Roth IRA method?- Should I pay off the 140K 6.88 with some of the liquidity that we have 50K 20K and refinance with SOFIother 3-4? Or should I continue to pursue PSLF???- Or should we potentially buy a housemultifamily unit now to take advantage of the tax deduction? We would obviously use the 50K 20K liquidity as part of our downpayment. The housing market where I live is INSANE and a reasonable spot will likely be 550-650K for a 2 bdrm2bath. Rent is comparable currently renting.- Other than rent, a few vacations, eating out once in a while, we are not too materialistic. We have a 10 year car. No acute need for anothernewer car. Thanks for all the feedback!  <response>: If I were you, I would concentrate on paying down those student loans as quickly as possible. With the housing market numbers you gave, buying a home will quickly become a financial nightmare if you keep those loans around. Owning a home is not cheaper then renting 