<prompt> Human: Recently started a new job which earns 30k base salary with approximately 7-8 hours of OT per week which translates into roughly 8kyear in income and annual bonus of 10 of base salary. This translates into roughly 40k or so per year. I have not included the bonus in my budget, I plan to use it to pay off debts in full.Debt: 1. 15k auto loan, with a 5.25 interest rate. 2. 5k student loans federal, 6.55 interest rate.I contribute 2.5x minimum for my student loans currently and the minimum for auto loanThings I have done: 1. Have 1500 saved in an emergency fund account, and I am contributing 20 of my income to it until I reach 4-6 months of fixed expenses. 2. Contributing 6 max before tax that my company will match to my 401k. 3. Started Roth IRA account, of which I am currently contributing 50 a month not much, but wanted to start it. 4. Paid off credit card debt. 5. Have term life insurance policy.Things I need to consider: 1. What loans to pay off, and how fast I should pay them off? 2. How do I increase my rentfood expenses without breaking the budget still living with parents, hope to leave in a year? 3. How should I finish my degree or should I? without getting more debt, while working full time?Summary: I am a long time lurker of this subreddit and have learned a ton from the people here. I have been spending a ton of time thinking about my finances and want to set my self up for success early. Ive started envelope budgeting for my budgeted spending to reduce costs there, but I feel like I can reduce it more Ive been trying meal prepping instead of eating out, for example.Any advice or suggestions? What can I be doing that Im not?Breakdown of budget hereEdit: Added the correct budget spreadsheet, part of it was cut off. I do plan on cutting my cell phone bill, part of the reason it is high is because it includes the actual cost of the phone which is paid monthly until I own it. I didnt think contributing 180 a month towards retirement is that bad, I felt I needed to start sooner than later. As far as a degree, I have nearly 70 credit hours. I managed to get a lot of it done with scholarships. I want to finish it up, but I can only really commit to a class or two right now.  <response>: Why did you get such an expensive car? 