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@duffy44 Investments are fine. But till 2027, the period is quite short to get any significant returns from mutual funds. See if you can prepone your masters plan by this or next year. Don't worry about debt, you can land a good paying job if you are skilled enough. Paying back loans won't be...

@mary07 Marriage in itself is a big responsibility. You are bringing in another family to take care of, not just your wife, both financially and emotionally.