<prompt> Human: Hello Reddit. Im 36yo and make 100kyr. 700 credit score. Im looking for advice best options - not necessarily the obvious about paying down high interest first and probably investing in a 401k. But heres my situation: I have 80k in debt 52k student loans, 13k credit cards, 15k car loan. Living month to month renting 2kmonth with no retirement or savings while trying to pay down debt as much as possible. Im thinking that is not the best option. Id like to buy a home but instead of saving toward a down payment I thought paying down debt was a better idea assuming lenders frown on debt. Im thinking thats not the case. Either way, Id like to buy in Portland OR USA and the housing market is ridiculous right now. With my situation and income, is 500k for a home unreasonable?Any advice is genuinely appreciated!Edit: Thank you for all the advice! I should have added that Im paying 1500mo in rent and closer to 2kmonth with utilities... so, a mortgage payment around that amount would be do-able.  <response>: Youre nowhere near ready to buy a home. Pay down the debt and start investing in your 401k up to the match. 