<prompt> Human: Ill get this right out of the way: Im currently unemployed. I was laid off a couple months back so my priority now is obtaining a reasonable job. But that doesnt mean Im not focused on the long-term.Im 25 and looking to save, or at least gradually prepare for owning a housecondo with my SO.Specifics: About 20,000 in the bank 5 Checking, 95 Savings Income is roughly 1500mo after taxes so Im still putting money away despite the circumstances 9,000 remaining in Student Loans with 6-6.5 interest 5,000 remaining on my Auto Loan 2007 Camry at 7.25 Other expenses include: Gas 50-100, Groceries200, Car Insurance65, Cell Phone70, and Gym Membership20 which typically total around 400-500mo Im very much into trainingdieting so those costs are pretty firm Spending habits are good. I dont drink, I rarely go out to places that will cost money, and I dont usually buy material goods unless its an absolute necessity. I have a few credit cards but only use them for small things that I would buy anyway and pay off the balances monthly. As of last year, credit scores were in the low-to-mid 800sAside from the obvious getting a job, is there anything I can be doing to improve my spendingsaving?Am I better off paying off any of my debts? Investing?The ultimate goal is to save for a housecondo  <response>: Pay down your debt. Youre probably earning less than 1 interest on your savings account, versus paying 6-7 in interest on your loans. 