<prompt> Human: We make about 9k per month total, but live in NYC, which is expensive as shit. I calculate we need about 6k to live on, which includes our 1800 monthly combined loan payment. Do I put the extra toward paying off the loans, sacrificing other funds we want to build home, kids fund, etc? We have virtually 0 in any other funds. Just got married. Any advice is great! EDIT: We have 70k in retirement funds, and a 30k emergency fund. EDIT: Appreciate all the criticism about spending less. But keep in mind too that of the 6k in monthly expenses, 1800 alone already goes to our fixed loan payment. So really, spending is at 4200. And that is for TWO people. Appreciate comments if that is still outrageous even in NYC.TL;DR: Spend less, pay down high interest loans above 5 aggressively. Assistant: Youre suffering from the rich person problem you make 4 times the average household income in the US, so Im calling you rich where you live a great lifestyle but then still want all your income after you spend it on your great lifestyle. This is not a criticism of you personally or anything, but its something I notice whenever high income earners feel they have trouble saving.You have an extra 3K a month. Why not split the difference? Send an extra 1,500 to the student loans and 1,500 to savings. You can adjust these percentages based on your personal goals. How badly do you want those student loans gone? How much do you expect to contribute towards the kidss college? Human: Wow I feel like an asshole.  <response>: Youre not an asshole! You just have to realize that youve fallen into the high income high expense trap. Your expenses probably seem very average or normal to you, but to lower income people, your life is luxurious. Just like my lifestyle is luxurious to many college students who dont have parents who can pay for their car and health insurance. Still though, you have an extra 3K to work with and thats awesome. Play around with If you throw just an extra 1,000 a month on that loan, youll pay it off around 2021. Also, you can hopefully count on some raises right? You might make 180,000 now, but is it possible youll make 200,000 in 5 years? 