<prompt> Human: Im down to under 5k on my student loans at 3.5 interest after staring above 57k and with interest rates up to 8.5 in 2013. The last few months Ive been catching up on maxing my Roth IRA and HSA accounts for 20162017. Now Ill finally start saving for a home down-payment! I live in San Diego, CA, so thats why the numbers might seem astronomically high. My SO will hopefully have a 2nd marker color, and will start adding to the motivational chart as soon as he finishes up his emergency fund. I dont know why, but getting to color in my progress just makes me feel better :.EDIT: Just for reference, my salary since starting my full time job in 2014 has only been between 40-56kyear before taxes, and much of that comes from 2nd jobsfreelance work. EDIT 2: RIP my inbox. Thought you guys might like to see these things as well, for all of those that have been asking questions: I have an obsession with google docs. Feel free to save copies to your own google drive and mess with the numbers to fit your situation! Current monthly budget Home Calcs End of year progress chart Misc. Income Tracker Closeup of colored student loan chart Link to my home motivational chart Link to student loan motivational chart P.S. - I am a female. I realize my reddit name is misleading.  <response>: Very good job! Thats definitely something to be proud of. You may want to consider the possibility of not having the full 20 down because even though no one can predict the market, housing has been getting higher and higher. Definitely find something within your means obviously but getting a house sooner and paying the PMI may be worth the potential appreciation of the house. Once youre comfortable and interest rates are good you could then refinance once you have more money. Take with a grain of salt. The housing market had been kind to me. Its just a different perspective Congrats again. Edit: I didnt see that you already had a 10 goal. 