That is the way it should be. Well more or less, you didn't state what your debt is from, some are better than others. College debt can be a good investment l

That is the way it should be. Well more or less, you didn't state what your debt is from, some are better than others. College debt can be a good investment long term (depends on the degree). Buying a house is a good long term investment if you live there for a long time. You should save for retirement and a "rainy day". However remember you can't take it with you. If you have the above savings, an extra penny, and something to spend a penny on spend it. You can't take it with you, so you should be at 0 at the end of every month (again ignoring retirement and rainy day savings)