<prompt> Human: So this is my first post here forgive me if its not formatted properly. Im in a bit of a bind. My wife and I had some serious money problems right after we got married and the kids came. However we both now work and are able to maintain. Ultimately we want to buy a house but we live in NJ where taxes are a monster so we need to save alot in order to make this work. Now my problem is this. My wife is currently getting her masters, her job was supposed to pay for it but that fell through and now I have 20k more student loan debts just added. As of now, after paying all our bills we have an excess of 400 dollars a month. My question to you all is should I be saving that or should I put more money down on the debt I owe and just pray in 4 years Ill eventually have enough money to eventually by a house. I just feel like Im perpetually screwed at this point and that well never get out of this hole. Any help would be appreciated. Edit for expendetures:Income: 5600 take homeRent :1000CCs:1460daycare:1600Student Loans: 300 for me , wifes currently deferred CarInsurance:500Groceries:200Family Outings 200 Total: Approx 5260I just rounded everything but thats the jist of it all.  <response>: Forget about the house for the moment. You have to attack that debt, especially the credit card debt. 1460month is insane. And your budget is a joke. 200month for groceries is not enough to feed a family of four. Please subscribe to Dave Ramseys podcast and get his book - the total money makeoverfrom the library. You need to debt snowball. 