<prompt> Human: Details are as follows :I receive 130,000 with about 80,000 take home plus 10,000 of OT. This will increase to 135 next year, then 140, then 145, then 155, then 160 with similar or greater amounts of OT yearly.I have 190,000 in student loans that I reconsolidated to 5.625 from 6.7.Currently, I have an 8000 emergency fund High Yield Savings 1.75, 5000 401K, 1500 in a travel fund using Acorns round-up application.I am maxing out my HSA and only doing 5600month towards the 401K since I wont receive a company match until next year and wont get full match until 3 years in.Monthly take home is 7000 with 2500 going towards student loans, 300 to travel account, 800 to emergency fund, 1000 to rent and car insurance. The remaining 2400 is spent on food, going out, and pursuing hobbies.I just started working 6 months ago with no prior savings.Should I be doing anything differently?My current plan is to stop my emergency fund addition once I hit 10,000, and then send 400 more to student loans and 400 to a house buying fund.Once I am vested in the company I will attempt to max my 401K, it is only 33 match next year then 66 then 100.Should I stop making 401K contributions at all until I am fully vested and focus on whittling away my student loans?Thanks for any advice.  <response>: You have more than 1 years worth of salary in student loan debt at a reasonably high interest rate. Your travel and going out funds should be zero. You should not be contributing to unmatched retirement accounts right now. You should not be funding an HSA above what your deductible is right now. You do not need to be saving for a house right now. Those are all things you can start doing again when you get your student loans paid off. 