as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
how should we prioritize retirement savings, paying down debt, and saving for a house?
user
pay the debt down. any kind of debt equals risk. no debt equals no risk and a better chance to have that money earn you income down the road once it's invested. that and you will sleep so much better knowing you have zero debt. you 6 month emergency fund is probably good. remember to keep it at 6 months living expenses (restaurants don't count as living expenses).
assistant