<prompt> Human: Hi just looking for advice and maybe a little optimism. Here are our stats:29 yo, married, first child due in February.Wife and I both have student loans her-30k me-130k.Together we make about 61k year before taxes.We have almost no savingsIt just does not seem like we will ever be able to own a home. Anytime we can take a step forward were hit with a step or two back...  <response>: With your current stats, probably not. You spent a lot on a degree, and hopefully that means its something with a higher income potential. You really need to increase your income.If its not the case that your career has higher potential, unfortunately it seems you werent able to make the best decisions about your financial future when you were younger, and theyll likely continue to be a problem unless you can pursue a better paying career without going back to school. 