<prompt> Human: I am 40, she is 31. Combined income of 125kyr, living in SF Bay Area, California. Current savings around 25k. She has 13k student loans at 8. We are trying to save aggressively, which should amount to around 40kyr. We are both currently contributing just enough 401k to maximize our employers contributions. For me thats 6 and for her its something similar. We hope to buy a home in this area in the coming years, and that means at least 120k down payment assuming 20. So with saving for a home, her student loan debt, and thinking about retirement, we a bit unsure of how we should be approaching all this. What should we be prioritizing here? Any advice is greatly, greatly appreciated. Thank you!  <response>: Focus on the student loan first. After that save 15-20 towards retirement. Put all of the rest towards a house savings fund. 