<prompt> Human: Hi all,Long time lurker, first time poster. Throw away account for obvious reasons. Ive been pretty nervous about posting here due to my ridiculously embarrassing amount of student debt, but Im trying to stop taking the ostrich approach when it comes to my f-ed up finances! Looking for advice regarding savings, loan repayment and retirement. Constructive advice only please, I know how dumb it was to take out crazy amounts of student loans and constantly question all of my life choices, so spare me the guilt as I beat myself up enough over it. :PIm just shy of 29 years old. Finished graduate school last year and started working in the fall. Immediately put all of my efforts into paying off about 15k in credit card debt, so that is all behind me credit score is actually decent, sitting in the 760s. This is the current picture: 86k salary I work in a medical field but do not anticipate salary ever being more than 110k. My current job does not offer a 401k or any retirement plan at all. Take home pay is about 5150month after taxes and benefits. 410k student debt I know. No really, I KNOW. Began paying 551month in December 2016 in a REPAYE program. I consolidated, and everything is at 7 interest. Living with my parents for the foreseeable future, paying them 400 a month towards housing costs, cell phone, and food. I probably spend an additional 100 per month on entertainment. I would like to move out early next year, but Im not in a huge hurry for it. 273month car payment. My commute is extremely short, and I probably only fill up my gas tank once every 2 months.Those are all of my set payments. Ive recently begun contributing to some savings accounts through Ally and trying to save for retirement: 330 biweekly to a Roth IRA so I can max it out before end of year. Will reduce this to approx. 210 biweekly to max out in 2018. 300 biweekly to an emergency fund currently sitting at 1600; would like this to be at 10k. May increase contributions to attempt to meet goal by end of year. 100 biweekly to a travel fund currently at 500. Taking 1 international trip per year is hugely important to me, so I consider this a priority. I do rely on points for the majority of airfare costs.After the emergency fund is set, I plan on establishing a savings or investment account to pay towards the loan forgiveness tax situation. This is my main concern. I was thinking I would match my current monthly loan payment roughly 550month to save towards paying off the taxes on the amount forgiven after 25 years. I admittedly am completely clueless on how to project how much will be forgiven and how much I will owe in taxes for this come end of 2041, and this is a major stressor for me. Also, aside from the Roth IRA, whats the best way for me to be preparing for retirement without a 401k? HSA? Sorry for the novella, and for being a noob. Much thanks for any insights, or for pointing out holes in my current plan.Assistant: if you want to get really aggressive with your debts, i would stop contributing to your IRA, Cap your emergency fund to 1000, sorry travel fund but thats going to have to wait too. Lists all your debts from smallest to largest, throw every dollar you have left after expenses to your smallest debt, pay the minimal all others until the fist is paid off.Rinse and repeat, its called the snow ball effect to pay off debtHuman: I get where youre coming from, but do you think its honestly best to have nothing set up for retirement when it will take me probably a decade to pay off my student debt if I chose to do nothing but pay that?  <response>: Student loans are always set up to take a decade to pay off. You are in the same boat as everyone else. 