<prompt> Human: Ive posted a few times about my situation here and know what I should do, but I still want to invest in the stock market. My wife and I just got married a month ago and Im trying to do things right.Assets 6,000 - my wifes grandfathers inheritence that we are saving as an emergency fund3,500 - our bank accounts - a big amount for us because of wedding gifts550 - Security deposit from apt. that just came back that I forgot aboutDebts 60,000 - in student loans, 30,000 of which are at 6.8, the rest range from 5.8-3.153,888 - debt collections - no Interest, paying 100 a month3,000 - 21 credit card debt from the wedding stupid, I know, my wife put a ton on the credit card which I was unaware about until it was already on the cardWe take home anywhere from 1500-3000 depending on my commissions and her freelance contract work, and pay 1000 in rent. We are both working on getting higher paying jobs but trying to get life in order after a crazy summer with wedding and moving and life. So I know what I should do: 1 pay off the CC straight from the inheritance because straight away, we would save 50-150 in interest instead of paying it off over 3-6 months. my wife doesnt want to just write a check from the inheritance, she wants us to earn it off, but I try to show her that the interest will really suck 2 Penny pinch and put any extra income straight into the student loan debt.What I want to do1 pay off the CC straight from the inheritance2 save atleast 2-5k from the inheritance and our assets and put it into my roth IRA with diverse options with commission free etfs, bonds, etc. I check this website futureadvisor.com and I see diverse portfolio returns and I just want that so bad, invest your 3,000 now and every year and watch that become 1,000,0003 Penny pinch and put any extra income straight into the student loan debt.I keep our spending, debts and everything in check with mint.com. I really just want to start growing my nest egg now, seeing just a small percentage grow every year for the next 43 years. I know its not logical because I could take 1-2 years off my 8-10 year student loan repayment plan, but its no fun at all just sinking it all into a debt that I did not realize would suck so bad after graduation. I Know im operating more with emotions and feelings instead of logically, but I want to invest now dammit! If i dont start saving for my retirement until im 30 im 23 now I feel like im losing 7 years of compounding interest. I know im losing that much anyway to student loan interest, but how do you guys just fork over 800-1500 every month without any feeling of accomplishment. I should have taken my private school education more seriously, even though I got my degree, it feels now like a tremendous waste of time and moneyit was more my dads choice for me to go to college than my own, because he never had the chance Someone tell me not to be so childish and friggin pay off my debts! or someone tell me my feelings have a little bit of logic behind it. TL:DR; I want to invest a little bit before im Sisyphus on the endless debt mountain!  <response>: Its not a waste of time at all. It takes patience and persistence to dig yourself out of such debt. Every little bit more than the minimum counts! Think of it this way: do you think you can invest and get more money percentage wise from your investments than you can from the amount of interest your paying on your student loans? You need to do the math. The only type of investments you should perhaps look to is a Roth IRA.Most definitely pay off that CC immediately unless you can get a 0 balance transfer. Your rent is also very high relative to your income... arent there any cheaper options? 