<prompt> Human: With my current cost of living and very frugal spending, I have 800 left each month after bills, food, gas, health insurance, and 401k contribution 5 plus 5 company match.Right now that 800 is just going into savings, of which I had none up until this month accepted promotion in June, have been paying off debts since. I still have just under 6000 in credit card debt left, but I went down to minimum payments this month in order to start saving, as all of the remaining credit card debt canwill be paid off the first week of March, when I should get my tax return filed but delayed due to claiming the EITC. Remaining debt after credit cards is a car loan with a current balance of 6589, and 67,000 in student loans current principle plus accrued interest.So far I have paid 0 on the Income-Based Repayment Plan over the last two years. Going into the third year of repayment in a couple of months, I still qualify for 0 payments, but am considering paying interest only for the yearly tax benefit. Interest only would be approximately 279month. I also am strongly considering focusing first on paying off my car, as it is pretty high interest loan due to my currently terrible credit score. I have had some past late payments, a couple of collectionscharge offs, but have been managing my debts well the last year and fully plan on continuing. It does seem my student loans are actually the biggest source of my terrible score, though. I also know I should probably be putting more in retirement than 55 match. I am leaning toward an additional 5 in an IRA, though I have much more to learn about retirement options before I settle on that. I do have a pension account that seems to grow by about 2 of my pay annual, but I was grandfathered into it before it was discontinued by the company in 2008, so I cant find much specific info on how it works. Im sure this will be controversial on this sub, but I dont have any interest in living super frugallyas if Im still in poverty with no vacations for the next 10-20 years in order to fully pay off my student loans with no balance to forgive. None of us are guaranteed a long life and I want to start living mine now that Im out of poverty for the first time in my life. I dont crave extravagance and I care little for most material things, but I want to be able to travel regularly. Minimum every 2 years. Im more than happy to pay as much as I can outside of providing my family with regular enriching experiences.Given all this, would it be smarter to grow my 3-6 month emergency savings first, then tackle the car payment aggressively, open an IRA then start paying at least the interest on my student loans? Split the 800 equally between my emergency savings, vacation savings, extra car payments, additional retirement investments and student loan payments? Tackle just a couple at a time? Something different?  <response>: You dont have 800 a month left. 1. You arent paying your massive student loans that are staring you in the face. Youre being charged tons of interest on an IBR plan and not paying any of it. You owe nearly 70k. Quit putting it off. 2. Youre making minimum payments on a credit card that is charging you tons of interest.I have had some past late payments, a couple of collectionscharge offs, but have been managing my debts well the last year and fully plan on continuing. It does seem my student loans are actually the biggest source of my terrible score, though.If you want to be managing your debts well, you should be throwing every last penny of that 800 at your outstanding balances--and quite frankly trying to figure out how you can come up with more. Youre nearly 80k in debt. Time to start chipping away, buddy. 