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I am a 31 yo health professional living in an area of the US with a very high cost of living. I have still have a large student loan at $143,000 at 4.74%. My income gross income is $110,000. Each pay period health care premiums of $52, HSA contributions of $50, and 4% contribution to 401k(which is matched 100% so I obtain max benefit), along with taxes are taking about 43% of my income due to my single status. My rent is $1485/month which includes all my utilities except internet and cell phone. I do not own a car but spend about $110 in public transit costs per month. I contribute $96/month to a Roth IRA. My other utilities are $74/month.
I currently have $10k set aside in an emergency fund. I have about $19,000 in my Roth IRA and $20,000 in my 401k.
Condos in a safe part of the city start around $250k, often with considerable HOA fees of at least $250/month.
I don't know what I should prioritize in terms of saving for a home down payment, saving for retirement, or paying the mortgage size student loan. I currently pay $1640/month in student loan payments(1184 is the minimum) and that will finish off the loan in 9 years.
I currently have $10k set aside in an emergency fund. I have about $19,000 in my Roth IRA and $20,000 in my 401k.
Condos in a safe part of the city start around $250k, often with considerable HOA fees of at least $250/month.
I don't know what I should prioritize in terms of saving for a home down payment, saving for retirement, or paying the mortgage size student loan. I currently pay $1640/month in student loan payments(1184 is the minimum) and that will finish off the loan in 9 years.