Comment: the first thing you need to do is

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the first thing you need to do is

Give your in laws more in rent! Geez you make 165,000 and your basically living for free. If you go with #1, do you plan on taking then in? Your loans were to get good jobs, live like paupers and pay off the loans. If the SHTF the house you are looking at will drop like a rock....then buy, you know it will....it's just a matter of time. Gets about 3 to 6 months of supplies to out last the shockwave. Bullets, bread and burning wood and keep your head down.