<prompt> Human: My wife and I are currently in debt of 71,219 in student loans. 7,661 of it is from her and the rest is mine. I dont have to start paying yet, but taking the standard payment plan puts me at about a 700month payment for 10 years. She is paying 100month on hers currently.We have set up a mint account with our joint checking account and all other financials including a 403b of hers currently valued at 22,000. I have no retirement set up at this time. She is 31 years old and I am 29.Our monthly income together is usually 5,496. This is considering 4 week months. The budget does not consider months with an extra check for us or any checks of hers that are higher than normal as this occurs somewhat regularly.We have 1,000 saved for the start of an emergency fund we plan to fill until it reaches a value of 9,000. I have just scheduled another deposit of 1,000 today.Our monthly total budget is set at 2,556, which includes all of our bills plus two line items for individual spending for her and I and one line item for mutual events and spending we call datesfun. This being said, we are able to save 2,940month beyond the aforementioned expenses normally. All of this is currently going directly to fill up our emergency fund.We are currently renting a room from my friend for 400month flat. Hes being very generous to us, I know. Cant thank him enough, really.We would like to purchase a home within a year or two from now as well as pay off these debts and have a good retirement plan going. How should we approach this or change our current financial strategy? Any advice helps. Thank you!Edit: There is likelihood that I will be hired directly with my current company soon which would equate to a wage fairly substantial wage increase. Likely about 15k a year or more for me pre-tax.  <response>: Make a shit ton more money would be a realistic start...You are in a good position to save aggressively and get on a great track, but if you think you are going to pay off 71k in student loans, get a good retirement going, AND save for a house in 1-2 years when your budget allows for max 3k a month 36k a year then you are living in a fairytale.Building the emergency fund is a great start, put 1500 a month in there until you hit 9k plus like you want. Tackle the bulk of those student loans, pay hers off fully with the other 1500 a month they will be done in less than 6 months, about the same time as your emergency fund hits 9kNow you have only your student loans, and a health emergency fund. Start throwing the bulk at them say 2k a month and put the other 1k away into general saving this can be geared towards your future home By the time you have your student loans mostly paid down You have them at less than 20k It will be 2.5-3 years from today. You will have a VERY manageable amount of debt, 30k in savings to put up for a down payment, and great savings habits to aggressively start your retirement funds. At that point, you will also be less than a year from paying off your student loans entirely which will free up gobs of cash so it would be a great time to start house selection. 