My situation- married, no kids. Sold Medical school townhome, have about 45k of equity that I got OUT. I have 100k on the dot of student debt. Wife makes $47k and no kids planned for at least 2 years. So- combined -$95k/yr 60k savings/left over I'm doing general surgery, so I'll be in one place for at LEAST 5 years. -Doctor loan (now 4%/no PMI/0% down), ROTH IRA and save the rest for emergency fund and pay down 6.8% student loans -IBR for a few months, make big downpayment, get back to paying regular amount on student loans Just curious because I have lower than average student debt and house prices/mortgage rates are interesting right now. Thanks!