<prompt> Human: Hello! Newbie to rpersonalfinance. Been reading this sub-reddit for a few weeks, getting to know the community and decided I wanted to post.Mainly, I want to see if I am on the right track or if there is something else I can do better in terms of planning and budgeting. Here is a quick synopsis of my personal finances 25 years old Working full time as PC Repair Technician, been with company about 2 years Net-pay per month: 2,000 Currently depositing 5 in 401k Company also has pension plan Monthly Expenses: Federal Student LoansConsolidated, 20 years: 222 Private Student Loan: 57 Auto Loan: 270 Rent: 525living with girlfriend, we split the rent, but not evenly Internet: 60 DirecTV: 120 Electricity: 100 Renters Insurance: 15 Gas: 160 Lunch1 lunch out per week: 40 Girlfriend takes care of rest of rent and groceries Bank Account Breakdown: Checking Account: 1000 emergency funds plus paycheck. Try to stay above 1000 every month Savings Account: 2800 1300: spare paymentsfull months rent, car payment, student loan payment 1000: car repair fundfor emergency car repairs 500: vacation fundwill be depleted in October Credit Card: 300Just recently got card, booked hotel for October trip on it so it would have a charge. Should be paid off either this month or next, paying more than minimum payment now My main goal is to get my 3-6 months emergency fund setup first. What is the best way to do that? Savings account, investments, etc. Hopefully that gives enough information. I welcome all comments and questions.  <response>: Credit Card: 300Just recently got card, booked hotel for October trip on it so it would have a charge. Should be paid off either this month or next, paying more than minimum payment nowCan you explain this a bit more clearly? Why are you not paying this off now? 