<prompt> Human: Hello rpfI want to give a little information about me before I tell my story. I am 21 M, my wife is 22 F. Weve been involved for nearly 5 years. I know this isnt rrelationships, but hold on! Im currently enlisted in the military, and will continue to to be for a number of years, however this is not a lifetime priority. I am currently living in Hawaii.My wife and I have lived paycheck to paycheck until I joined the military, and this was the first time that I ever seen my bank account get over two thousand dollars multiple times in my life, obviously Im young but Id like to keep saving. I cant seem to ever hold onto this money because theres always something popping up emergency wise or were spending it on our existing debts. I would gladly like to inform you all that I am less than a thousand dollars from being debt free and I cant wait to start saving again however there are plenty of money problems that are just about to pop up again: My buddy is having a wedding moved from May of 2016, to December 2015 since he recently got demoted at his workplace. He asked if I could be his best man. I just recently moved to another country. My wife and I work but we dont have enough money to cover the expenses of both of us going back home for the wedding. My wife wants to move back to the states to continue her education and she hasnt made very good grades in the past due to our rough upcoming and financial stresses of our youth until we settled down at my last location but has not pursued scholarships due to that fact as she doesnt qualify and is heavily dependent on a loan and banking on getting a job back in the states. While we can afford for her to live with a roommate or her parent a loan is an investment. I am willing to co-sign this loan because I know with the right circumstances this time shell do well. However she does not know how much her degree is going to cost, how the loans work, what type of loans we need to think about or use and no savings towards the effort. What else do we need to be thinking about before we go through with this? Im going to school also. I have done the budget for my entire degree program, its going to be roughly 23000 for the core part of my classes and the very few general education classes that remain I will take a DANTESCLEP exam to phase them out. I will be using the majority of tuition assistance per year to complete my degree program, and possibly will take out a loan to accelerate the progress. My degree is a STEM degree as well as my wifes and I plan on using this in the civilian world or possibly going for a commission in the military, the time is still ripe for such a decision. I receive my GI bill benefits next year but it would not be wise to use these benefits while Im still serving because we will not receive the payment of basic housing and will only receive the tuition assistance. If only the GI or post 911 magically paid housing and tuition, Id fork it over to my spouse. Lastly, my wife and I want to purchase another vehicle. We already have two that work perfectly fine. We recently moved to our new location and our budget for purchasing a vehicle is 10,000. This is a vehicle we can bring back to the states as an import and sell however once you buy a imported car, chances are youre not selling it. We can bring this vehicle back to the states with us, only after my term has been complete. While we purchase a car here, if my wife goes back home were going to purchase another vehicle so she can get around. We already have two working cars but it is a goal that we purchase a dream car not costing us over 10,000. We can afford a good percentage of the budget we have set though we wont receive the sum of money for a couple of weeks. This car is in preference to my wife, shes an enthusiast. I need to add that I will eventually purchase the car two or three years down the road when the debt appears more manageable. I want to save a simple thousand dollars to begin investing in a Roth IRA and mutual funds. I currently invest in my Roth TSP but I feel like I should get more involved while Im still serving in the military.I simply volunteered for this assignment to save money and invest when possible but I indeed do want all of these goals to be met. Is it all possible while trying to fund these efforts, Im currently learning the finance world and I will forever be a student. Please give me some hard and wide insight to make sure my financial future isnt set up for chaos, what avenues I can take and what other things I need to be thinking about before I just scribble on the line.  <response>: You dont need another car. My wife wants to move back to the states to continue her education and she hasnt made very good grades in the past due to our rough upcoming and financial stresses of our youth until we settled down at my last location but has not pursued scholarships due to that fact as she doesnt qualify and is heavily dependent on a loan and banking on getting a job back in the states. While we can afford for her to live with a roommate or her parent a loan is an investment. I am willing to co-sign this loan because I know with the right circumstances this time shell do well. However she does not know how much her degree is going to cost, how the loans work, what type of loans we need to think about or use and no savings towards the effort.You will not cosign on a college loan for your wife who has shown no ability to get good grades in school or have a stable job that pays over 35k. That is an awful investment that wont pay off. Suggest she just get a job. 