Based on your financial information, here's a personalized plan to help you save for a down payment on a house within 3 years: 1. Create a monthly budget: Track your income and expenses using a budgeting app or spreadsheet. Allocate funds for essential expenses, debt repayment, and savings first, then allocate the remaining amount for discretionary spending. 2. Reduce discretionary spending: Cut back on entertainment expenses and consider more affordable alternatives like free events or streaming services. This could save you $100/month. 3. Increase savings rate: Aim to save at least 20% of your monthly income for your down payment goal. Based on your current expenses and income, try to save $800/month. 4. Debt repayment strategy: Continue making the minimum payments on your student loan while focusing on saving for your down payment. Once you reach your down payment goal, reevaluate your debt repayment strategy. 5. Emergency fund: Maintain an emergency fund with at least 3-6 months' worth of living expenses. This will provide a financial cushion in case of unexpected events. 6. Review and adjust: Regularly review your financial plan and adjust as needed. Monitor your progress and make changes to your budget, savings, and investments as necessary. By following this financial plan and making adjustments as needed, you'll be on track to achieve your goal of saving for a down payment within 3 years.