<prompt> Human: Been lurking this subreddit for awhile and I really would appreciate any honest analysis about my current situation and what I can do to improve it. Thanks for your time...Dual Income Household No kids, although its possible in next 2-3 yearsWe both work in healthcare and have post-grad education...we have this income level only for approx 2 years. Good income I think, but getting a late start in a way.Wife annual income: 85,500My annual income: 102,000-111,000 per year...this is due to 85,000 salary 17,000-26,000 side biz contracting Combined household income: 187,000-196,000 per yearLiquid cash: approx 16,000Total student loan debt: 79,000 Car loans: 47,000 2.49Mortgage: 295,000 3.25Investments:I have wife maxing a Roth IRA for awhile now, I essentially have no investments at all due to my high student loan debt. Sure, I could prob get a bit better than 6.55. But, I want them paid off. Any debt thats over 6 I dont want to have.NOTES: Home: I live in one of the top 5 worst places in America to RENT. However, its a great place to buy. We bought in 512 for 295k and Zillow currently has our house at 359k. No biggie, but I do think we bought at the bottom of the market and Id do it again in a heartbeat.Student loans: My top priority has been paying these babies down. If you wondered why the liquid cash or etc is low...thats why. Ive been dumping excess cash on student loan principle. before someone says it...yeah, I probably could get 8-10 investing according to some...but I think 1 thats often exaggerated 2 obv there is risk 3 I put a huge value on getting that monkey off my back and not worth it to me to chase 2-4...I COMPLETELY REALIZE of returndebt. I am in NO hurry to pay off my mortgage or crazy-low car note. But, I really want the student loans off my back.Car: Yeah, I bought a nice car. I drove an older truck I owned cash for years. My wife only owes like 7-8k. But, once I started making an extra 1,200-2,500 per month on top of my salary. I finally said to my wife,I need something fun. Im not happy working this whole side biz just to pay down student loan debt. She was completely supportive. I just couldnt work extra and not spend something on myself always loves sports cars. The way I look at it. That sports car was my motivation to get my side biz up and running and its been a success so far. Without that fun and driving an old truck, I prob would have gotten frustrated and just said screw it, Ill just work less hours and take my salary.So...opinions? tips? ProCon? Whats my best move to make next?My first ever reddit post...thanks for any help or tips guys, have a good one.Assistant: It is ridiculous to have 47000 in car debt when you have 79000 in student loans. Education gets paid for before toys get bought. IMO if you need to buy a nice car to motivate you to work on a side business youre doing it wrong. You guys have a high income now and youre jumping on the lifestyle inflation train. Youre already 30 and have no real assets. Part of that is understandable if school took a while and obviously you make a lot now but you have catching up to do. Your student loan debt should be gone within 12 months. Human: Yeah, thats the plan. Again I still dont think a house and car are huge lifestyle inflation. Our entire budget is set up such that we can 100 afford our home and still save some money even if on single income. Also, I suppose a car thats 13 of annual income is insane to some. But, as I said the deal was great and if SHTF Im taking a 2-3k loss on it tops. To me thats completely worth it.  <response>: How is a 47K car when you still have 79K in loans not lifestyle inflation? What youve done is literally the definition of lifestyle inflation.You guys started bringing home more moneystarted a side gig and instead of sending thousands every month to the loans, you went out and got yourself into more debt for a depreciating object you dont need. 