<prompt> Human: Hi PF, I think Im doing everything right based on what Ive heard here. Ive really been working at my budget the last few months. Here is the breakdown: Retirement: I put 10 of my income into my 401k, my company matches 50 cents on the dollar for the first 10, so Im getting the max match, and it is about 600month including the match.Emergency fund: 5400, its about 3 months bare bones expenses. My job security is high, and I rent, but Im still trying to build this.Take home pay: 2700monthRent: 600 This is a low number for my area, my boyfriend and I live with a roommate, wed like to get out on our own but that would increase our rent from 600 each to probably 800 each. We are talking about it, but for now planning to stay put. Utilitiesinternet: 100 is my budgeted amount, but it usually ends up closer to 70 or so. Food: Again, I budget 320, but usually ends up closer to 280Gym: 55. My work reimburses me 50 for this, and I include that in my take home monthly pay, so without the gym membership my take home would go down by 50 and Id be fat. Transport: 200, that is a combination of public transport, gas, tolls. I usually stay around 150Spending money: 70. This is a category YNAB had, and I thought it was good to keep it. I take 70 out on the 1st of every month and that is my spending money whether its bars, coffee, a candy bar, whatever. I have had 10 or so dollars left at the end of the month so far. Restaurants: 50. I love brunch, so I give myself enough budget for one nice brunch a month. Savings for clothing, my pet, other occasional expenses: 150month. This goes in a second savings account, not my emergency fund. Emergency fund: 100month goes in. Car insurance: 103month. Im financed so I have to have full coverage. Now to the bad stuff:Debt repayment:Car payment: 279 a month is required, its at 3.69, financed for 4 years, 2 left to go. Personal loan: 214month. 9.9 This was a debt consolidation loan from credit card trouble Id gotten myself in while trying to get through college no excuses! I no longer use my credit cards, all but one has been cut up, that one stays in my car in case of emergency such as my debit card getting lost or something like that but does not get used.Student loans: 250month. Various percentage rates, but they are between 3 and 7 percent. These are actually in deferment as Im in an employer paid masters program right now, but Im trying to pay them off as much as I can.Long way to go on the personal loan, around 9k. About 6000 left on the car loan. Student loans are 17k.Anything that is left over I leave as a buffer. My buffer sits around 700 right now. I already have an idea of what Im going to hear besides damn you are wordy and Im trying really hard to get my debts down without sacrificing everything that brings me joy.  <response>: Your buffer is pretty big. I would think about putting that to work against your debt. 