It's not the matter of WHEN but it's the matter of HOW ??? I agree with Bree that everyone has so much loans. How and When are you going to pay off the loans??? Of course, it'd be great to have investments and savings but there're so many living expenses nowadays. Look at the costs of gas, house & medical insurances, they are outrageously high !!! It'd be great to have a extravagant living style but above all, I'd prefer to have a healthy life & happy marriage