<prompt> Human: Hi PF, hope all is well!Ive lurked for quite a while, Ive looked through the posts, Ive downloaded the spreadsheets, Ive gone through the wiki, but at the end of the day sometimes I just feel like maybe I am not smart enough to wrap my mind around the world of PF. Everyone usually does a great job of explaining to the lowest common denominator, and I have definitely made great strides in becoming debt free over the last few years, but everytime I think I have everything down pat, I read these awesome success stories and I start to second guess myself. Im not sure if the path I am on currently is the best one. Im really hoping the I can break down my situation to you guys and maybe someone can give me some solid advice on the best course of action. Please keep in mind that I am lower than the lowest common denominator here, I feel like I am in good shape but Ive fought a good fight to get here. My current situation: 26 yo engaged male living in Denver, CO facing crazy increasing rent these days. My fiancee and I do a good job of splitting the expenses 5050, although at this point Im not sure if the distinction matters. We pay roughly 1,500 in rent, which includes everything. I saw the rent rate chart for our apartment for next year, I am expecting at least a 150 monthly increase next year starting in September. I am currently making 52,500 year at my current job. I am unhappy with my job and considering moving on, even if it means taking a small cut in my base salary, but my PF matters come first and foremost so I will stick it out unless I receive a better base salary offer. I am currently contributing to our Roth 401k plan at 15 a paycheck. My employer matches 100 up to 4 with immediate vesting. I currently have about 21,000 in this account. My current take home amount after taxes, benefits and my retirement is 1023.80 biweekly. I do have student loans as follows:1 - 3,203.67 balance, 5.350 interest rate, subsidized.2 - 4,036.91 balance, 4.250 interest rate, subsidized.3 - 4,832.96 balance, 3.150 interest rate, subsidized.4 - 2,447.42 balance, 6.550 interest rate, unsubsidized.5 - 2,334.04 balance, 6.550 interest rate, unsubsidized.6 - 2,206.04 balance, 6.550 interest rate, unsubsidized7 - 5,511.94 balance, 6.550 interest rate, unsubsidized8 - 4,903.07 balance, 3.150 interest rate, subsidized9 - 1,039.80 balance, 6.550 interest rate, unsubsidized10 - completely paid off yay!11 - 5,181.51 balance, 6.550 interest rate, unsubsidized12 - 2,541.26 balance, 3.610 interest rate, subsidized13 - 1,712.79 balance, 3.610 interest rate, unsubsidizedI am currently paying them all off on a graduated repayment plan - 355 monthly.She makes 15.75 an hour, works about 36 hours a week. She is not eligible for retirement benefits. She has no loans currently, but is looking to get into PA school and may have to take out loans to cover costs.We we currently have no legitimate emergency fund although we do have 1,200 set aside for any purpose. I know putting more into this is a priority, I am just not sure how where it should come from.My dad passed when I was younger and my mom is HORRIBLE with money, so I feel like this subreddit is the best resource I have had.Im really not sure if I should continue on the way I currently am, or if I should reduce my current retirement contribution and use that to pay off some of my loans first, or if I should use the money to build some sort of emergency fund first, or some sort of hybrid of all of the above? I feel like I should be doing something but everytime I feel like I have made a good decision I start to second guess myself. I really need some advice or direction. Also I am sorry of the formatting is messed, I typed this all out over my phone.  <response>: From what youve mentioned, you could make a bigger dent if you cut down your Roth contributions to 4 and put that extra money towards the loans with the highest interest rate while paying the minimum on the rest. I would also try and beef up your emergency fund a bit using that money. 