<prompt> Human: I am finishing school with 70k in student debt, interest of loans ranging from 4.5 to 6.5. I will accept the following employment offer: 105k Salary 15k Starting Bonus15k Relocation Bonus 15k Stocks per Year Vested at long term intervals so this is not certain13.5k Anual Bonus I will max out my 401k and a Roth IRA. I will also buy stock in my company as there is a matching policy. Policy caps out anually when 1,800 are spent buying stock. What else should I do to deal with the debt and build a good nest egg? I will live in a very cheap town where I can limit my expenses to 2.5k a month. I am eager to pay off the debt and start my money growing. I want to build massive amounts of passive income. Any help or suggestions will be appreciated.  <response>: If the employer offers HSA Health Savings Account, get that and max it. Its basically your money, saving away for your future health needs and tax free. There is no expiry on HSA funds, unlike FSA. Usually HSA goes hand in hand with high deductible health insurance plan from your employer. Assuming you would not need doc visits, hospital visits too frequently. 