<prompt> Human: Hey rpersonalfinance! Im finally getting ready to graduate and need a budget check before it all happens. Ive recently accepted a job and want to start off on the right foot, but Im not sure if Im not saving enough for myself, paying loans not aggressively enough, etc.x200B;Here it is by the s:Aerospace Engineer, intending to live in Atlanta, Georgia.x200B;Current IRA:4,200:-:-Current 401k:2,600Current Student Loans:31,300 Federal 4.2 average11,700 State 1INCOME BUDGET:Gross Annual:66,000401k Contrib:6 9 company match 825 mo total, 9.9k yrMonthly post-tax 401k:3,887Rent:1,500Health Insurance:0 ParentsFederal Loans 4.2:775State Loans 1:110 Minimum I thinkUtilities:140Internet:50Gas:300 I currently commute 40 miles day and spend about this much. With new location commute would be halved, so Im hoping this goes down to 240 or lessFood:360Charitable Giving:40Incidentals:225Savings:385x200B;Im planning on only making minimum payments on both my loans for the 6 month grace period and funneling all excess to my emergency fund. That with a signing bonus should net me a 8,000 e-fund by June of next year I start work in Jan. Im also hoping to save up for a down payment on a new more gas efficient car soonish, my current one is dying.x200B;EDIT: Also I realized its not on here, but car insurance and cell phone is covered by parents fortunately.x200B;How does it look? Am I saving enough each month?x200B;Thanks for your time and giving me plenty of reading material for the past four years!  <response>: I can give you some insight into my situation so you can compare. I make a very similar salary to you. This is how I prioritized my finances:1 Get the max match on your 401k. Its free money, future you will thank yourself.Im planning on only making minimum payments on both my loans for the 6 month grace period and funneling all excess to my emergency fund.For me, Ive kind of minimized my emergency fund and prioritized paying off my student loans. Im fortunate enough that if something terrible happens with my job, I can move back home with my parents. I have enough saved to cover 6 months of payments on my student loans and car. I also have a CC at 0 interest for the next 12 months, so if something does happen, I know that is a bit of a safety net as well.That being said, I am throwing everything else possible at my student debt avalanche method. For me it came down to clearing this debt out now, and taking solace in the fact that if something happens in the future, I wont have to worry about how to pay these loans. Its more of a mental thing, but it works for me.Im also hoping to save up for a down payment on a new more gas efficient car soonish, my current one is dying.For my situation I ended up leasing a car. Theres very mixed opinions on leasing on here, but I got myself a very good deal on a fuel efficient car with not a lot of money out of pocket. The lower monthly payments of the lease have allowed me to put more money towards my student loans.Some other things I can offer up as advice, nix the charitable giving and you could probably slash your rent in half by getting roommates. Also, shop around for a savings account that offers a high 1.5 nowadays interest rate to leave your e-fund in.TL;DR: Slash your rent, get the 401k match, aggressively pay off the debt. 