<prompt> Human: Let me start off by saying we live in NJ about 30 mins from NYC. We just got married which my father in law paid mostly for. We have a combined credit card debt of 6k, have about 26k from wedding gifts and savings in a money market earning .7 we just deposited in our bank in a money market. She and I make about 90k total a year ,well established, including healthcare and we own our one jeep outright. I bike to work. We pay 1100 in rent for a 3 bedroom 2nd floor apartment which is a steal in our area. No kids but one planned in the very near future. Did we make the right financial decision? We might want to buy a house but we arent sure if we can afford it. First time buyers if so. Any advice?  <response>: You should pay off the credit card right away. High yield savings accounts like Ally or Goldman Sachs are giving 1.2 interest now: 