When the interest rates on your debts are less than 8 percent, save for a home down payment using a money market deposit account or money market mutual fund.
Putting this together with my timing of grad school will be interesting, but having a savings is having a savings. And if there is anything I have learned from Suze, you have to work with your money to make it work for you. It is all about planning and strategy. The rich get and stay rich because they know the secrets of how to make and keep their money, and by god I'm going to acclimate.
Or at least try.
How cool would it be if I owned an apartment in Manhatty? *sigh*