<prompt> Human: Hi all - I hope I didnt screw up formattingTL;DR - Heres a summary and burndown charts of the past 2 years Paid off 70k in loans in 2 years. I have 40k left.I looked here for advice back in 2014 when graduated college. I had over 100,000 total including both federal loans and private student loans 110,624.88 as of right meow. I wanted to show my progress and my future plans. Some important details - I landed an engineering job out of school after racking up a butt load of student loan debt. I was paid 69k to start and Im making 77k after 2 years. Career wise I am doing very well. I am in a graduate program for an engineering degree. My company is paying for it, but I front the cost and get reimbursed. It costs 4400 up front. I am able to live at home with a car my father bought for me. I hope to get a few more years out of it. 1500 present for bday. Thanks dad. My bills are as follows:Car insurance - 935 year last year was 1440!! pay with tax return and put rest in savingsPhone - 40month Gym - 140month - this is not a typoGas - 80month - this is an overestimateStudent Loans - 2500monthTotal 2760 Bi Weekly Paycheck 1900 2 3800month3800-2760 1040month or 260 a week.Should throw in that I get all the matching bonus from my 401k. Currently sitting around 20kI received a gift from relatives of 5000 after college graduation and I paid it all towards a private loanBeing able to spend such a ludicris amount of money a month has been a blessing. I pretend the money doesnt exist, and I am content with the amount I have left after every paycheck about 650 every two weeks; 1250bi weekly forloans.Savings is slacking. I try to have at least a minimum 3000 in my savings but right now its at about 2500. I have a 500 account that I consider an emergency fund but I know its low.I really dont save any money from my paychecks, but I am able to put certain things into savings. For example, I get 3 paychecks in one month twice a year. I put that extra 1250 into my savings. I also travel for work where I get paid a per diem that is typically way more than I use. In 2016 I traveled 70 days 60 a day and this year Ive traveled 34 days. That comes out to an extra 6000. But again I blow that on traveling and so much food. The reason my savings doesnt stay so high is because my girlfriend and I like to travel. With work travel, I get to acculmulate a lot of points. This has been very successful for us. 200k Marriott points, a bunch of different airlines, free car rentals.I also go out for food waaay too much but Ive been meal prepping on and off Sundays for the week. Weekends I still may end up spending over 100 going out.So that is my situation right now. I am content living without the money I pay towards loans, but I know in the future I can do things to feel more financially secure. I see where Im slacking with my bad spending habits but shit Im attributing it to being young. Im not frugal by any means and I buy stupid shit. But I also feel like I can get away with it right now. Moving out and buying a house is the next step.Before I talk about that, here is some of the excel stuff I play with. The first image is my summary. It shows how much I have paid and I have much I have left. I have 8 months until I am done paying off my private student loans!! Ive paid almost 70k in loans! My method was snowball where I paid the minimum payment on every loan except the loan with the highest interest and highest total amount. That loan I threw 2500-minotherloans at it. I honestly dont know how much I couldve saved by refinancing but Im not too worried about it.The second picture is a burndown of my payments over time, however they are not entirely truthful but really close!. I did not start with 110k in debt, but it acculmulated over time. Unfortunately, there is no data present for interest accrued and I havent gotten around to writing something to do it. The graphs data includes interest but already accrued to the starting cost.The third photo is a burndown of the private loans. Less detailed. Not sure why I uploaded them.The plan moving forward is to pay off my private loans completely in 8-9 months. Once I do that, I plan on paying 1000 a month towards my private loans minimum is 321.07. That means it will be a little over 2 years until my loans are completely gone. I want to save 1500 a month for close to a year so I have maybe 15k to put towards a down payment on a home. I have heard that I can take a loan against my 401k as a First Time Home Buyer but I honestly have been a lazy shit and not googled the specifics of this.With my girlfriend, we have a total household income of 120k shes an engineer too, so this will eventually be much higher. She will have about 30k in savings when we plan on looking for homes. I understand theres a long time between being to look and closing a deal. That gives us a total of 45k cash and Ill have about 30k in my 401k maybe less, idk. market and shit.I have a solid credit score 750 last check. I have two credit cards: Marriott Rewards and Chase Shappire Preferred.I look forward to buying my first home. Its a new challenge and playing with numbers is kind of fun. Based on rough estimates, we can afford 1550-2200 a month 25-36 of monthly income after taxes for a mortgage payment. With that split in half or of total income, idk yet but thats an important thing Im not ignoring and after student loans are gone, Id be able to throw a lot into savings.Questions:I was wondering what kind of interest rates and numbers I can expect as a first time home buyer. GF has good credit as well and no outstanding debt is that the same thing? idk? Are there any numbers I can estimate with that I can play with? Ive seen online calculators but Im not sure how accurate their 3.7 interest rate is on a 30 year mortgage.Also how important is 20 down payment?Any details I should know about borrowing from 401k for down payment on first home?How much could I have saved if I consolidated my private loans?More out there question: I feel a little worried about my spending habits. I track everything with mint, but I despise looking at my spending history. I see the numbers of my credit card bill and just pay it off. Sometimes I dip into my savings to cover costs and I get into this thinking that oh next week I get paid and Ill spend less but I rarely do. Does anyone else feel this way? I feel like Im chasing paying off debt but I never catch the dragon. But Ive also never missed a payment or anything. Also wanted to say thanks guys for all this very valuable information you provide. Its been a great resource. I know I rambled a bit, probably shouldve organized this better but its late. Im tired. Oh well.Any comments or feedback would be great.Thanks all!Assistant: I want to zero in on your gym membership for a hot minute. I know theres bigger fish to fry here, but its 140 a month, which would cover my gym expenses for an entire year.Could you go into greater depth why youre at this gym?Human: MMA gym. I train bjj 3-5 days a week.  <response>: Let him have this one. 