<prompt> Human: Hello rpersonalfinance,I am looking for some helpdirection in my life, i have been blessed with a lucky situation and I am looking to make the best of it. Here is my situation:I started working with my current company a month ago. It is a large public company in the US and I feel like I have great job security. I have to wait until a 90 day probation period before I can contribute to my 401k which will be 4 which they match. Once I begin to contribute to my 401k and pay benefits I am looking at taking home 4,200 after taxes. I am currently living at home with my parents where I dont have to pay rent, I have a car that has no payments besides upkeep and gas which is about 150mo. I have a student loan of 17,000 6.8 which I have been paying 300mo until I got my new job, in which I plan on paying 600-1,000mo towards the student loan. I currently have a decent budget that takes into account all of my expenses eating out, coffee, alcohol, miscellaneous fun, gym membership, and whole life insurance which comes out to approximately 950mo. Due to my great situation I am looking at having the luxury of somewhere between 2,300-2,550 to put to good use. I currently have 8,000 in my checking account I dont have a savings account and my credit card which usually consists of the money from my budget is paid off every month collecting those points!. Ideally I would like to move into an apartmentcondo in Chicago as soon as possible; where I have the option of moving in with friends. My question is whether I should: stay at home for a year and pay off student loan as fast as possible, begin to contribute towards a Roth IRA I currently dont have any money saved up for retirement besides cash value life insurance so I feel like I am a little bit behind and then think about moving out to an apartmentStay at home for another year while maintaining my current payments on student loans, my 401k, maybe start putting some money towards Roth but mainly save up enough cash to put down 10-20 on a condo?Should I begin to look into investing or meet with a financial advisor?Any other suggestions that I have not thought about would be great, again I am not trying to brag about the lucky situation that I am in, I feel blessed and really did work hard to get where I am at even though I had great help along the way and a strong foundation at home. I am just looking to get the best adviceideas to be as successful as possible moving forward.Please share your thoughtsideas  <response>: Dump that whole life ASAP. Whoever sold you that is not your friend.Stay at home and crush that student loan. I am going to cash in the life insurance and take a big chunk of that 8K and put a big dent into that student loan. in 4 - 6 months its paid in full.Max out your 401K.Pile up enough cash to put down 20 on whatever kind of condo you want to live in. Then its time to start investing. max out a Roth - look into Vanguard.If you want to do more, open a taxable account. Again look at Vanguard. 