<prompt> Human: Im going to be making 44k a year and I have 20k in student loans. I only have to pay 400 a month for rent and maybe about another 400 in groceries, electricity, internet and bus passes so my living expenses are pretty low. Ive never made much before and I dont want to spend it frivolously. Its kind of overwhelming because theres a few options that I can think of like Student Loans, employer matching 401k, Building CreditI dont own a credit card, Emergency Funds... If theres any other questions that you guys have that could help you help me out feel free to ask. Assistant: Check the FAQ. Emergency Fund, 401k Matching, Student Loans.Human: I was just reading the FAQ about Student loans and then I was thinking about the other options I just dont know like if I should put say 25 towards paying off loans then 15 towards 401k or what. I know they are good things to do but I dont know whats the most beneficial to do first on a say 5 year basis.  <response>: Build emergency fund, get 401k matching, student loans. 