<prompt> Human: Quick summary of debtincome:Income:55k annuallynot including my wifes income which varies between 5k and 15k annually,so we dont count it towards budgeting. Whatever she makes compliments investments and savingsDebt:70k student loans 4.6 rate3k credit card debt 22k loan2.9biggest financial mistake ever..I invest what I can each month. At least 250 towards retirement,and 150 for a down payment on a house in 10 years. I also put about 300 towards an emergency fundgoal of 9k. Amy surplus income or money we save goes into saving for the emergency fund. I know what Im putting towards these goals isnt nearly enough but Ill get a pretty substantial pay raise over the next few years which will obviously help with paying off some debt and putting more towards what matters.My big question is are we in a bad situation and what are some major things we should really be doing to help? Obviously i need to focus on paying off the debt which is a priority. Whenever we get big bonuses in money it goes tpwards debt or an emergency fund. I feel like we make a decent amount of money but because we have so much debt it cripples what we can do. All my peers seem to be much farther ahead in the investment game and I feel like theyre doing something that Im not? I know most of them have no debt so that obviously helps. What did you do in your early 20s to set yourself up for success in the long run? I just want to make sure me and my wife can retire and not have to worry about money.  <response>: Wife needs a better job, and a lot more hours doing it. 