<prompt> Human: Hello all!Im a junior software engineer making a bit less than she should in exchange I do have a relaxing job with flexible hours and an easy commuteI make about 3400 a month with a salary of 57k.My current debts are:Credit Card: 6525.166800 Student Loan 1: 4214.34, interest rate 4.290 Student Loan 2: 2058.47, interest rate 3.760 About 12800 in overall debtMy expenses are: 550 for rent 120 for car insurance 50-100 for gas and electricthis fluctuates 100 for pet expenses 200 for cardstudent loan minimum payments 230 for commute tolls and gas 135 worth of tolls, give or take including 100 worth of gas in a monthMy credit card is high because before I got student loans, I had to put three courses on it. Then I lost my job and didnt have an emergency fund.However my credit score is still 700.I paid off a student loan that i didnt list above in full already.I dont have a 401k yet because I want to be able to put in as much as I can without worrying about debt.I have 13,000 in a savings account. Ive been trying to put away at least 1500and if bills allow, 2000 a month when I can and live very frugally.My big plan is to keep saving until I have 25k in savings and pay off everything so I can still have a good emergency fund after paying everything off. Is there a better way to go about this? How should I handle this?  <response>: Maybe someone has a better perspective on this, but I cant imagine keeping that much in savings losing money over time while I have an outstanding credit card balance. I also dont know what the interest rate on your card is. The student loans are relatively low rates, so paying a little over the minimums while investing in something likely to provide a higher return makes sense, but again, the money in savings is good if your job security is questionable, but is just losing value due to inflation when it could be reducing interest bearing debt. Edit: Have you checked out the flow chart in the sidebar? 