<prompt> Human: Im 25, earning 56kyear before tax. Monthly income after tax comes to around 3,700. I currently have 32k 4.5 interest in student loans. I am slowly paying it off at 300month. I still live with my parents so I dont need to pay rent, but I do have a car which I pay 800month lease amount insurance. I estimate other spendings to add up to 700month. Looking at the current housing market, I will probably need to save 20k for a down payment for an average 1-bedroom apartment. How long do you think it will take me to repay all my student loans and save up enough for the apartment? Which should be priority? What would be the best plan to reach these goals?  <response>: That car payment is killing you. 800 a month with student loan debttrying to save for a house is a nogo. Explore any options you can to eliminate that car expense, a major downsize is in order. 