<human>: So,  I'm 28 years old.

I have a career that is in high demand (nursing) making at my current job, anywhere from 60-80k a year (depending on overtime, this year will be right at 70k) which translates into 1800-2200 a paycheck takehome pay.

I am married with no kids, my wife currently does not work, she is finishing her Doctorate in Piano, so job prospects for her can't be predicted at this time.

We rent a nice 1 bedroom apartment for 550 a month.  We are in the midwestish area so cost of living isn't too high.

We have no savings, investments, or retirement accounts, around 4k in the bank.  2 cars, one payed off and the other we owe about 7.5k on (the car is worth at least 10k, I bought it for 11)

I have 25k of student loan debt which Ive been paying minimum payments for (around 300 a month).  Stafford Loans, most at 6.8%, and about 8k of them at 5.6% interest.

I am about to enter a masters program to obtain my Nurse Practitioner,  it will take about 2.5 years and will cost about 25k.  After completion my income should increase to at least 85-90k a year.

Sorry for the long post, My question, if there is one is that I feel really nervous entering a school program that may have me cutting my hours at work to get the grades needed.  Added to that is the fact that at 28 I have not even started saving for retirement, my wife doesn't work, and I don't feel like we have a good enough cushion to help with emergencies.

Please make me feel better about where I am, or tell me what I'm doing wrong and how to fix it.  :)

Could you distill the essence of the text into 1-3 sentences?
<bot>: 70k income, rent 550, 25k student loan, 8k car loan, starting masters program getting into another 25k student loan debt.  No retirement savings.