<prompt> Human: I am a fairly recent engineering graduate, been working out of school for a year now. I am not as financially literate as I would like, and I am probably not aware of a lot of options. My parents have been understanding and allowed me to stay at home rent-free while I work my first full-time job and try to pay off my student loans. Though I contribute about 200month still in household expenses. Here is my situation: - 40k in student loans 5-6 interest Came down from 60k!- 5k interest-free loan from my boss may or may not be forgiven depending on performance report next year- 40k salary 30kyear income after taxes deductions- 600month in personal household expenses- 300month in additional expenses for minimum payments on student loans- About 10k in my bank account with the new loan from my boss I should probably saveinvestpay off some debt? I am looking to start an independent living, though it will require my own car, and place, which makes it very hard to budget with my current job and debt.Thanks in advance for any advice and input! hopefully I will leave this thread a little more money-smart.  <response>: If youre really serious about moving out, get a second job. You cant afford a car and an apartment right now. You could afford an apartment with roommates, no car. Give the money back to your boss immediately and ask for a raise instead. 