<prompt> Human: Hello!I just got hired making 46,000yr. I currently have 6,000 saved. My immediate goals is to buy a home. This job has its own retirement system, which means I am not paying into social security. Instead, I am paying 8 into their retirement system and 2.35 into medicare. Upon leaving, I can roll over the money I contributed into an IRA, but neither interest or employer contribution. Clearly, I am not making enough money, so leaving in the future would be a likely option for me.I have 4 federal student loans:1. 5,461.55 4.042. 4,771.63 4.043. 5,495.38 3.514. 7,261.58 3.51Total: 23,980.14 35.61 interest.My last paycheck after deductions 296.95 and taxes 523.43 is 2,881.47 . 0 State - 0 Federal witholdings. I am a single male.I am currently paying 135 in student loans per month towards loan 2, leaving the others with interest enrolled in Income-Based Repayment - 0 minimumMy total monthly budget is 485 student loan included.This leaves 2,324 remaining. I would like to save 2,100 towards the house down payment. This leaves 224 remaining for savings. I could also put this towards my loan. After reading the wiki flowchart, I believe I should be putting my last 224 savings into a Roth IRA, but I am unsure due to my current retirement system. Paying off my debt sooner is also possible, but it really doesnt worry me that it is there.I would like to know if everything is viablecorrect up to this point. Also, if this 2,100 should be placed into an ally savings account with 1.85 APY vs my current 0.01, or should I be investing this money? Could I Have a little guidance?  <response>: You need to prioritize paying off loans before you buy a home. You have 2000 a month to throw towards them--you can be debt free in a YEAR if you keep expenses low. Thats nothing! Thats not even touching your 6000 saved which Im assuming is your emergency fund? 