<prompt> Human: I finally created an honest budget for myself and figured out that I have about 200 leftover per month. I currently pay 210month for student loans interest rate is around 4, contribute just 3 to my 401k to get the company match, and put about 200month directly into my savings account. What is my best option for this extra cash? Should I increase my savings to help for emergencies I currently have less than 1 month of expenses saved up, increase my 401k contributions, put my money toward my student loans or my car loan, or should I start investing which I currently dont do? Or a combination? Or something else? Im about to hit my mid-20s and trying to be more financially responsible but not sure what to do with the extra money. Thanks!  <response>: Read the prime directive of the sub. Based on your position Id say beef up your emergency fund first. 