I'm just looking for general thoughts and suggestions, mainly just what you would do in our situation. This year I'm turning 24 and my fiancé is turning 21. We both want to buy a house and start a family as soon as possible. She's planning on being a stay at home mom. In June she's finishing her BA, and if she doesn't go to graduate school we can pay off her undergraduate loans in a couple years, and then probably get a house and everything. If she does a three year masters program, it delays everything by three or four years, and once she finishes it she'd just work for a year or two to pay off the loans and save up a downpayment for a house, and then quit to be a stay at home mom... which she'd be able to be sooner without the masters program. Since she's not going to be working while raising children, the point of the masters would only be in case she ever has to work in the future for any reason, but in the short term the only work she'd be doing would be to pay off the loans, which would have been paid off already had she not gone to graduate school, so that would be kind of silly. What do you think we should do? We're a traditional, family oriented couple, and she has no desire to have a career other than motherhood. Should she get the masters anyway?