Thanks everyone for your suggestions. I’ve tried to reign in debt, no new cars or fancy electronics. Biggest debts are school loans which are soberingly large (think law school large) yet manageable.

From what I’ve gathered, this is classic tortoise and hare. Essentially I need to continue plugging away and looking for good opportunity to buy property at a reasonable price (which I expect will happen w/in next 3-5 yrs) or otherwise invest what I’ve saved.