Add $50 for the inconvenience of having to drive somewhere to shower, and you are still saving a ton of money.

For example, can you put a kit shower in, and save the money versus tiling the shower etc?

Thats going to save you $8,750.00 alon plus FHA MIP is higher per month than conventional Fanie Mae PMI. 

I feel reducing debt is a safe bet.Thanks,Troy When it comes to debt reduction, I would always recommend either starting with the lowest loan balance or the highest monthly payment debt. 

However, Roth IRA withdrawals are generally tax-free after age 59½, assuming the account is at least five years old.Self-Directed Roth 401(k): You can contribute more to your Roth 401(k) through your 1099 income, especially since contribution limits are higher than IRAs.Mega Backdoor Roth: If your side business offers a 401(k) with after-tax contributions, you could contribute much larger amounts and convert them into a Roth 401(k) or Roth IRA, maximizing your tax-free savings.

She started looking for me and found a good deal in builder end of the month incentives.

I recommend starting by tuning in to the BiggerPockets Podcast and attend your local REI meetups to build up a strong network.

If you are starting out, lot other things are more important on CoC returns.

start with a house hack.

Location, Location, Location is really the best start to ensuring your jam packed throughout the year and not just seasonal.