<prompt> Human: So this is my first time posting on this subreddit and I would like advice on what to do with my new income. So after taxes it looks like I will be making about 2170 a month with my expenditures being around 1632 including: rent, utilities, groceries, gas etc since I will be supporting myself and gf as we both finish up grad school. I currently hold about 30k in student loan debt at about 6 interest and she will be approaching 100k in debt upon graduationlaw school. My question is what should I do with the remaining 538 a month I will have after my expenditures? Would it be more beneficial to start a 401k and put a little of that money in and save the rest or start putting as much as possible towards the student loans? Additionally, one of my benefits with my employer is short term disability insurance, which lasts 3 months. Would this take the place of a 3 month emergency fund or should I still save up that fund?  <response>: First things first: disability does not count as an emergency fund. Your emergency fund is supposed to come into play if you, for example, lose your job. In that case, you wouldnt be covered by short term disability.On what to do with the money: when do you have to start paying back your student loans? Also, how much does your employer match on your 401k? 