<prompt> Human: Im 23, trying to go to graduate school to become a physician assistant future salary 100k. I work 2 jobs right now and make next to nothing. I have 16k in debt from undergrad loanscredit card debt. How am I suppose to save for retirement, the jic moments in life when unexpected costs come up, and pay for grad school 50k-100k. I know I want kids in the future 2 maybe 3. They cost money, what about their college, how am I suppose to save for that, and I want to own a house one day. I dont know, Im just feeling discouraged, any advice. You dont plan to fail you fail to plan, so how can I make financial decisions that will put me in the best situation to have everything I want in life?Assistant: You go to grad school for 3 years until youre 26, pay off your 100k in debt by 29, and then start saving hard.Human: I feel like its taboo to talk about debt openly but is it normal to have debt. I want to have kids when Im 29-31 years old, grant it, Im married possibly to my current bf and in a good relationship. I forgot to mention that.  <response>: Everyones quick to flaunt cars, houses, clothes, babies, vacations, but nobody talks about the debt. Youre just fine. 