<prompt> Human: We have just gotten married earlier this year. We together pull in about 7-8k monthly and have about 95k in debt. We have been paying down the monthly payments at about 1k a month as we gather our money to create an emergency fund, which is nearing our goal of about 25k, what do we do with the income after we hit that goal for our emergency fund? Pay down the debt faster?Save it for a house?Put it in some sort of mutual fund?Relevant info, mid 20 year olds, never bankrupt good credit etc.Thank you for any and all advice! Reddit you the best!  <response>: Why do you only pay 1k a month when you make 7-8k? You should be paying at least 4k a month on those loans. I cant imagine you need 4k a month for expenses. 