What we know of Eva is that she has her veterinary license, and currently has her own practice open. Even though it is not specified in the text, we can infer that Eva does have lodging in an apartment or rental home. This makes saving to buy a house over a period of time less urgent since she does currently have a place to live, even though she would like to eventually own her own home.
I feel that the best choice is option #3, she is prioritizing her goals and adjusting from a short-term to a long-term goal. Investing in a home takes a lot of time and saving. Since it is not specified how much student debt Eva has, we can assume that with her practice open, she will be able to pay off her student loans in a timely fashion, as well as save money on the side for a home. Option #4 could also have a case made for it, but I feel that option #3 is the best option.
