<prompt> Human: Hey all,Im currently making 95k salary in a medium COL city and Im curious as to how I should proceed with the money Im lucky enough to be making.Heres a breakdown of my current situation: 60k in student loans 1600 in total expenses including minimum student loan payment No emergency fundBeing in my position, how would you advise utilizing my money at this stage of my life?Really would appreciate any feedback!  <response>: Believe it or not, this is a very common question in this sub. Follow the steps in How to handle in the sidebar to figure out how to prioritize. 