Points well taken Chuck, thanks.

Actually most of the loans ($150k)are educational, and they are low interest. I can understand how being in my 30's, with a good salary, and still having negative worth can send red flags. However, I've been in school all these years, and I've only been out in the work force for a year. paying back debt is a priority, but so is asset building.

I have a budget and live within my means. I also consult with a fee-only CFA(she's on maternity leave). We agree on plan one, but I am still very intrigued by the idea of concentrating my asset building plan on real estate. Any thoughts on this?