<prompt> Human: I graduated with a B.S. in mathematics almost 2 years ago with 65k in student loans and 0 in my savings. A few service gigs and an extra 2k in credit card debt later I finally found a full time job working at a nonprofit. As stoked as I am about my new job Im almost as stoked about the means of getting from underwater financially. I did my budget and found that so long as I stay healthy, relatively sane, and life doesnt throw me any major curve-balls I can get by comfortable spending 13kyear. My first thought was spend all of that extra paying down debt but my SO said I should save. Whats a good ratio for how to spend the rest of my earnings?  <response>: 1. Keep a small emergency fund. With your amount of debt and your income, 1000 is a good number. 2. Throw everything else at your debt. 3. Keep a really close eye on your finances. Since youre starting working, your estimated spending might be a bit off. So monitor it and adjust your budget as you go along.If you want some company on your journey, lookup budget report card on youtube. 