<prompt> Human: 60K in cash 43K in student loans 4.2 Unconsolidated 3.86-4.66 No other debts. None!Ive thought about getting a small car payment or paying cash for a mid 2000s CivicKiaVW TDI instead of my 90 F150 and Miata.The cash is partially from inheritance and about 10K in savings and does not include my IRA or 401K6 months until I enter repayment, Im in grace right now.Im not sure if I could get a better loan rate than 4.2. I could probably make 8 in an index fund, however the market IS high right now.So... Should I pay off the student loan to free up some monthly cash that I can then savespend OR keep the cash invested and just pay off the student loan over time, hopefully faster than slower?I dont think your answer is going to surprise me :FYI:I will bring in 70K in the bay area. I could have brought in 70K in NevadaArizona, but didnt want to move to NevadaArizona. It would have definitely been a smarter choice financially, but maybe not datingsociallycareer wise. I hope its worth it to live in the bay! I plan to put in 15-20 of my income in a Roth 401K for now, and MAX out my Roth IRA. I have a couple thousand in each right now. I did NOT include them in my cash.Im 30, single, no kids, good health.EDITThis part is also below.Pay off the loan. I thought youd say that. Paying off the loan Id hold off on the car for a bit, maybe buy it out of a bonus or something. Thank you! :For all those that said 70K in the bay is not that much and Im foolish... I agree!In many ways I regret not accepting 70K in NevadaArizona. Im already in my 30s and could have saved a bunch more and had some cash left over to live well.The only reason I chose the bay was to: Develop Career, maybe faster and higher than AZ or NV? Socialize with higher end people, progressive, going-somewhere folks, successful. Date there, maybe I meet a girl with a good job too. Culture, Arts, food..Im in an position where I can rent a room in a house to save money, which will hopefully control a good chuck of the expense of living in the bay. 2200mo for an apt is like most of my take home pay! Id certainly never be able to buy a house!Im in east bay, tri-valleyI pray to God its worth it. I could regret it in 1, 2, 3 years. In 2-5 years I either need to be working my way up, or GTFO to a cheaper place or go Sacramento for a state job with retirement.Thanks and Merry Christmas and Happy Holidays Everyone!  <response>: Personally, Id pay off the debt, or at least a really large chunk of it 