- I have significantly more debt than my fiance and I don't want to start my marriage "unequally yoked". As a couple we are going to spend or first year of marriage getting completely out of consumer debt and just having fun ( My FI has less than $20,000 in debt).
- We would love to buy another rental property within the couple of years or right after we get married so I need to get my debt to income ratio down a bit and they only way to do that is to get rid of the bulk of my student loans.
- I will be 26 next month and would like to start having children by 30 or 31, and in preparation for that we feel that it is important to get rid of all debt and have a husky personal savings of at least $50,000 ( more on that later).
- I want to be able to max out my retirements, my student loans are a hindrance to that process.
I am wondering if I should go back to following Dave Ramsey's baby steps, but the first step is seeing if I can live off 900 a month. I do want to enjoy the finer things of life.