<prompt> Human: First Inputs and Ouputs Salary is 1989 twice a month after tax. I contribute 5 to 401k that my employer does not match. They do give me fantastic health insurance through. Savings Emergency fund is currently 15,000 I also have about 10,000 options from my employer that havent fully vested yet at 1.00 per share. Im ignoring these for now. Rent currently 1,300 150 for cable and utilities Average monthly total credit card charges are approximately 700, paid in full each month includes groceries and travel. My main focus is wrestling my three Federal student loans from grad school 8,500 6.8 interest: current principle 7,439 12,00 6.8 interest: current principle 11,000 43,500 7.9 interest: current principle 24,150The min. payments are 96, 135, 535 respectively Goals for 2014 Im moving in with some friends that should cut rent down to about 700. What can I do with the savings emergency fund? Can I dip into that to pay off a chunk of the student loans?The Big Question is the fact that im considering leasing a car 2014 Subaru Imprezza?. I definitely would be driving less that 10,000 miles a year. I may be moving to a bigger city within a year or two, so for now Id rather lease than finance a car. Is a monthly payment of about 250 reasonable? Assistant: How secure is your job? If it is extremely secure - i.e. you wont get made redundant for any reason, I would consider reducing the size of your emergency fund to pay down some of those interest bearing loans. Human: Im at a startup, so im certainly not redundant yet lol. I do have a very desirable skill set, but given the fact that I work at a startup I cant say I have a ton of job security.  <response>: In that case I wouldnt cut into your emergency fund to hack into the high interest student loan. 