1. First house--get what you need. Not what you want. That will come. Pay the minimum you can every month. Don't try to pay it off

2. Pay off any high interest loans asap. Don't pay off the low interest loans early.

3. MOST IMPT--maximize your retirement contributions from DAY ONE. And do it every year regardless of what's happening in the market. Dollar cost averaging. I promise you. You'll be glad you did, even if it means less short term pocket money.

Be patient. Good times ahead.