<prompt> Human: Backstory: A married couple in their mid-20s that I am close to has a good deal of money. She has what I believe to be around 1,000,000 in an IRA that was left to her, and she just sold two apartments that were also left to her for around 300,000 each. She made at least 2,000mo. from those apartments in rent. She works part time, and he works full time. I estimate that they make around 85k a year at most between them. They currently live in an apartment that costs them 1,525mo. and have been known to complain that they dont have money, despite her buying a ridiculous amount of things for herself. But that is besides the point. They have around 100,000 in student loans, some of which are private loans at around 9-11 interest. The Problem: They are looking to buy a house. Particularly a duplex so that her father can live with them, though they wont be charging rent. Their max budget is 600,000. They just made an offer but changed their minds after an inspection on a house for 485,000. Their plan is to put a little extra down, and get their mortgage to around 2,000mo. They also plan on refinancing their student loans as a part of their mortgage to decrease interest rates. All of this at the advice of their realtor, whose advice they took to buy a house in the first place. My Problem: I care about them a great deal, but the fact that theyre looking to buy a house, not pay it off quicker, and also not pay off their student loans blows my mind and worries me. I dont claim to know much about finances, but if it were me then my first move would be to pay off my loans at least. Theyre just paying the minimum payment on everything and thats going to cost them so much more money in the long run. Im going to sit down with him next week and talk to him about this from a place of care and concern, but I want to make sure that I have the right idea. Can anyone please tell me if their plan is a good idea, and if so, please help me understand why?  <response>: not your circus, not your monkeys. 