<prompt> Human: Hey rPF! I have spent some time the last few days reading through info here and on the FAQ. To be honest, I am completely overwhelmed with all the info. I was hoping maybe you guys could send a bit of advice my way.Since it seems like pertinent information:I am 23, Wife is 22. She will be graduating at the end of the year from school and will be working a job making a minimum of 32,xxx a year. I currently make 44,xxx a year and am the only income earner. We estimate between the two of us we will have a total of 39k in student debt when she graduates. Both of our cars are paid off and I have started a small IRA and 401K. We are hoping to work on paying down some of our student debt and work on saving for a house. We also currently have about 6-7 months of full expenses saved up as an emergency fund around 5k. With higher mileage cars I feel like this is a fairly good amount of money to hold onto.There is one student loan for under 4k that has a really high interest rate of 10.5. The rest of the loans are much better at 3.5 - 6.8. I plan to put as much as possible towards the high interest loan to get rid of it ASAP.Should I be taking some of our emergency fund and putting it somewhere else? It seems like mutual funds and bonds dont offer much over an online savings account. I am nervous about transferring my money to someplace online where I dont have direct contact with the people holding my money.We are also interested in saving for a house. We currently rent a house for 750 a month and we could purchase a house for 100-110k and still be paying far less in mortgage fees, even with PMI than we are for rent. I understand we would be responsible for home repairs, but I feel with a proper emergency fund and a fund set aside for home repairs that it would be doable. Especially once my wife has officially started her career. We also happen to own 2 dogs that we absolutely adore and unfortunately this makes renting very difficult. If for any reason we had to leave our rental location, tornado, flood we would have a VERY difficult time finding another place to rent. Let alone for a reasonable rate.Does RPF have any advice to help us straighten out our finances? I appreciate all the help and info!  <response>: I would wait until your wife finds a job. Only because I would hate for you two to get a house, and then the only job she can find is two hours away from it. Other than that, once she starts working, try to live off of only her salary. Use the other salary to pay off the loans aggressively, then buff up your emergency fund, vacations, pay extra mortgage payments and to also aggressively invest towards retirement.If you can, in the mean time, pay off that 4k debt thats at 10.5 interest it would be in your best interests. 