<prompt> Human: I just got a new nursing job, and am talking with my department about my 401k plan I should be contributing to. With our families having not been the best financial role models, I am looking for right ways. From research, I know that company matching is an extra income and really want to get the benefit of 401k. But I have 45K student loan to pay back. Questions1. Is there a way that I can pay off debt and invest at the same time? If yes, how much should I contribute?2. What is the best way of choosing funds to maximize returns? I look for moderately aggressive portfolio in order to compensate student loan interest.Available OptionsHere are the options that I can choose: Please have a overview of my available options, and give me any advice. Personal Background My age: 23yo Income: 70k per year 4,170 per month Account type: 401k Company matching: 0.75 per 1 up to 8 Debt: 43k at Student Loan at 4.5 Paying off 2k per month Other savings or investments: 500 in Wells Fargo for an emergencyThank you so much for your insight.  <response>: Question: If you do max out the matching portion of the 401k at 8 of your income, is there enough left to do ALL of these things? add to your emergency fund pay your student loans off at the 2k mark live healthily safely frugally?If you cannot do all three of those at your current level of income, something has to give. IMO it should absolutely NOT be the 401k match. Thats first priority. If it turns out you have to can you even? lower your student loan payment a bit to make this all happen, then do so. 4.5 is a non-scary interest rate and your immediate 75 return on anything going into the 401k up to that matching limit is the no brainer.If somehow after all those bullets are covered theres cash left over, thats AWESOME!! Those are great decisions to have to make. Reward yourself with a tiny bauble nothing big. Then add more funds to either the 2nd or 3rd bullet, or both. 