<prompt> Human: Title states the situation -- My wife and I have a combined 275K in student debt no other debt from 13 years of total school both did a masters. Fortunately, I just graduated and our combined income will be 250K. Heres my ask: Critique by monthly financial plan. Are there considerations Im not thinking through?First, some background information: Weighted average interest on student loans is 5.7. Small range 5-6. 60 private, 40 federal. I believe I can refinance most of my loans and get an average weighted rate of 4.5. Thats the assumption Im using for my plan, though I dont think that changes my plan. 13,000 in take home pay after taxesdeductions. Expected to grow 10 per year both are in stable professions 5,500mo in expenses. We live in one of the most expensive cities in the US. We live nicely, but definitely nothing extravagant. Over the last year, weve been able to stick to this budget. We feel comfortable with what were spending each month, so dont want the discussion to be around reducing expenses. 80K in retirement accts, 5K in investment accounts, 20K in emergency fund My personal dispositiongoals: Im irrational about debt. My natural inclination is to put every penny we have towards it even empty out our retirement accounts to pay it off. However, Im optimizing around building long-term wealth, and I know putting every cent towards the debt isnt the way to go.So, how should I manage the 7,500 in disposable income remaining? Here are my thoughts, let me know yours 1. Pay 3,000mo for loan minimums. Not sure what the actual amount will be since the loan payments havent started yet, but this is probably ballpark. 2. Pay 900mo in 401k contributions to get company matches. Our companies match up to 6. The actual contribution will be higher, but since 401k is pre-tax, our take home pay will be reduced by 900. 2a. Put remaining 3,600mo into emergency fund, until it goes from 20k to 30k. This is 3.5 months of expenses minimum loan payments. Placing money into emergency fund will be only for 3 months, which is how long itll take us to put in the extra 10k.Then, after the emergency fund is fully funded, and we have 3,600mo remaining: 3. Put 900mo in Roth IRA via backdoor approach to get to 11K combined cap. 4. Place 1,500mo aside in high yield savings account for investment opportunities. Many in my network are savvy and wealthy investors who would be willing to let me invest with them, even with relatively small amounts say 20K. The question of course, is if I believe they can beat a 5 return Rate on my loans. Im comfortable betting that they can, but not sure if I want to invest more than 1,500mo given our high debt balance 5. Use remaining 1,200mo to pay down highest interest student loanWhat do you guys think about this plan? What am I not thinking about? What are my blind spotsThanks everyone!  <response>: Your plan is close to the flow chart that was recently posted:The big exception being that youre prioritizing Roth IRA over paying extra towards student loans, which I dont think is a bad idea since you cant back contribute to past years Roth IRA, and youre not drowning in debt yes, its an enormous amount, but your income is very high as well.The other big exception is this: 4. Place 1,500mo aside in high yield savings account for investment opportunities. Many in my network are savvy and wealthy investors who would be willing to let me invest with them, even with relatively small amounts say 20K. The question of course, is if I believe they can beat a 5 return Rate on my loans. Im comfortable betting that they can, but not sure if I want to invest more than 1,500mo given our high debt balanceThis just sounds like a bad idea altogether. I certainly wouldnt forgo paying down 4-6 interest debt over this, and I would strongly suggest not doing this at all. 