First, those are awful student loan totals – I don’t care if you ARE both doctors or doctors to be. You could buy a nice house in a midwestern city for what you owe Sallie Mae! You have the perfect chance now to dig yourselves out of that pit – do it!

Second, $150 in rent! Give me a break – if your budget is predicated on that, you are in REAL trouble, kids. You should have a big ’saving this for the down payment’ fund with that rent. Take a look at condo payments/ apt rentals in your ‘goal city’, and then bank the difference between THAT rental and what you are paying.

My late hubby and I had cheap rent in from my folks the first year and a bit of our marriage. We used it to save up a 20% down payment on our house. You are very lucky to have a great income and low expenses – use that to your advantage, and don’t p!$$ away the excess just because it’s there. I’m with the hubby all the way on this one.