<prompt> Human: So Im definitely guilty of not fine tuning my finances often enough. I am pretty sure Im saving excessively at this point and should probably throw a lump sum at my student loan debt.Heres my scenario:Income: 65k-80k Commission basedSavings: 32k401k: 15,500k No match by employerFed Student Loans: 29k Fed 6.75Private Student Loans: 29k 4.9My 401k has netted a paltry 2.5 so far. Shame on me for not monitoring it. I think Ive already dropped the ball by contributing to it rather than my loans. My plan is to drop my contribution from 10 down to 0 as long as Im in a situation where no match is offered and my student loan debt remains. I will instead put the money contributed to my 401k toward my Fed loans.I also think it may be a good idea to drop about 10k toward my Fed loans. That will still leave me with plenty of money for an emergency fund.Are there any glaring flaws in my logic?  <response>: I 100 agree with thisjames; if you had a 1,000-3,000 in savings, would you go to the bank and get a 29,000 loan at 6.75 so that you could have 32,000 in savings? Thats essentially what you are doing today. Good luck 