Prototype, I would highly recommend checking out a career forum such as indeed.com and asking some questions or looking into good jobs and degree's to target. Clearly, your interested in computers so just a couple hours of research on a good computer career forum would take you far towards planning your future.
You know with a $50K salary you can afford a $250K home right??
Absolutely not. Financial advisors state that your mortgage payments should be 1/3 of your take home pay. $50K is take home of about $38K. If you put 10K down on the house, get a really low interest rate your still at about $1575 w/ taxes, that is about 1/2 of your take home pay. Wouldn't have enough money to have kids (sounds funny I know but considering the hospital bill is 5-10K at least plus first year expenses are around 7K)
My fiance and I have a household income over $120K and we would be miserable with a $250k home due to student loan debt, car payments, food & money for eating out, clothes, cable, b-day gifts & Christmas gifts, home repairs, upgrading my computer (I could buy a 3.0ghz quad core crossfire rig but saving money to go back to school and running a P4 for goodness sakes), etc etc etc plus retirement.
Plan on having kids?
The key is don't go into debt and pay cash for everything, I'm going back to school to get a job I'm happier with and making more money but going further into debt in the process.
I don't know about you but I would like a decent house to have as my own when I retire and just be able to relax and play some golf. Or when I have kids to be able to pay for their school.
Is $1 Million Enough to Retire On? - US News and World Report
Uncle Macdawgs message in this tangent:
1. Research your career field well you don't want to be unhappy with your job and go back to school like I am.
2. Pay cash, save money, be disciplined about saving money.