<prompt> Human: Ill make this pretty quick, Im 24 and I had been making 10 an hour for the past year and my wife has been making 13. Were doing okay paying our bills but didnt have much to save. I just accepted an offer 45k a year at the same org I love where I work, and Im wondering what to do when our emergency fund is saved up. We do not have an emergency fund that can sustain us for 3 months, so that is our top priority. Weve lived well below our means, even while I got paid 10hr and she got paid 13hr. We are working off our student loans and have 33k left. My question is, once that emergency fund is saved should we aggressively pay off our debt until its paid off and then save for a house? OR save for a home and pay off debt less aggressively at the same time?  <response>: Believe it or not, this is a very common question in this sub. Follow the steps in How to handle in the sidebar to figure out how to prioritize. 