 During that time, you're probably going to get married. That would be awesome. Then you've got two incomes to save towards a down payment on the house, and you'll be in really, really good shape at that point. That's where I would take you. Josephine is in Brooklyn. Hi, Josephine. Welcome to the Ramsey Show. Hi, how are you? Better than I deserve. What's up? I'm in a little limbo here.