<prompt> Human: Im 22, just graduated college, and have a good job. I have a little less than 20K in loans interest doesnt kick in for another 5 months on those, but virtually no savings since I used it all on moving and setting myself up in a new city. Ill have about 500-700 a month leftover once all my expenses are paid, depending on my spending. Whats more important when youre first starting out, having a solid savings or should I just throw everything I have at my student loans before my interest rate kick in?  <response>: interest doesnt kick in for another 5 months on thoseSo theyre student loans? What about CC debt? Whats more important when youre first starting outGo in this order:1. Always start with a baby 1K e-fund.2. 401k up to company match.3. Then douse any hair on fire debt at or above 10.4. Crank up the 401k contribs.5. For 5 to 9.99 debt, balance e-fund contribs with extra debt repayment.6. When youre down to only 0 to 4.99 debt, balance short and medium term goal saving with cranked up 401k contribs.7. After your short and medium term goals are all saved for, you have no more non-mortgage debt and youre saving 15 including company match for retirement, then invest. 