<prompt> Human: Ive been married to my husband over a year, were both guys in our late 20s, and were set up pretty decently. Both are employed securely and make about 5,700 a month after taxes. We rent an apartment in an expensive US city, own a car, and have no other debt. We want to do some travelling and arent looking to buy a place anytime soon we dont want to be tied down. Ive been putting money towards retirement which my employer matches, but he does not. Im trying to convince him to, I know!Thanks to budgeting, weve got 25K in savings sitting in a savings account. He has 11K in student loans 4 loans, some are 4 interest, others are 5.5 or 6. Were trying to figure out if its better to just pay them off entirely now, or to sit on those savings for vacations and emergencies and maybe just pay a bit more than the monthly payments now. It just feels like a lot of money and would almost half our savings, but itd be nice to be debt free. He doesnt seem to really care but Im more in charge of our finances anyway. You all have any advice?  <response>: I dont do kid gloves. This makes absolutely no sense to sit on cash and harbor debt that is costing you money every single day. You know the answer. 