<prompt> Human: Hey guys,So, Im starting my first big-kid job in June with an annual salary of 82K. My spouse and I are currently living on a single graduate student salary 20K annually, so our total income for 2017 will be 5 months of graduate student salary 7 months of big-kid salary roughly 56K. My future employer offers a 403b with a 200 match up to 5 of my total salary. Ill obviously take advantage of that. However, for the remainder of the salary for 2017, should we prioritize maximizing contributions to the 403b, putting money in our Roth IRAs, or building a bigger emergency fund we currently have 3000...or a mixture of the three? Our annual income for 2017 will be low enough that well land in the 15 tax bracket no matter what, but if we prioritize 403b contributions, we could reduce our taxable income even more. Thanks in advance for your thoughts!  <response>: Max the employer match in the 403b.Then I would split extra savings between the e-fund and a Roth IRA until the IRA was getting 5.5k yr and the e-fund was up to about 25kWhen you get to those points, put the extra money into the 403b.Good luck. 