<prompt> Human: My main questions1. Should I just simply be paying down my student loan debt to get ahead? 2. Is having a 6 month emergency fund more of a priority than paying down the debt?3. I currently do not have a credit card, but have no missed payments on anything. Are there any recommendations for applying or what specific cards would be good for me?Some notes: I started at 0 before college, have no financial help from family, nor do I have any other assets. I got my undergrad and MBA from State schools - Good value and marketable My salary is mostly invariableraises are unlikely, 401k is already set, been working for 1 yr 6 months, with 10k in the bank. Monthly expenses leave room for 200-400 a month extra All my student loans are govt loans and Ive read up on both methods of paying down debt and will be utilizing them accordingly. Im a car guy and this is the dream car of my affordable cars Tier list so this will not changeand its only a 3.25 rate. So now what? Ive convinced myself to not spend much money on my car thanks to you guys showing me how important it is to save, but for the most part I consider myself very adept at saving. It seems like most of the advice given on here to the people in a similar predicament as me is to just pay down student loan debt, but do I have any other options? Investments to get ahead? I do love erasing student loan debt, but its definitely more exciting to see a portfolio grow than for debt to shrink. Or am I overambitious for my situation?Assistant: first priority is to make yourself a real budget. you have nowhere near the proper amount left over after all expenses paid. if you cant save at least 500 a month with a proper budget youre living significantly beyond your means and should get a room mate or move back home for a while.next priority is to get 6 months expenses in the bank. your debt isnt super high interest rate, so it can take a back burner while you get a proper emergency fund.next priority is debt, starting highest interest rate first. while doing this, make sure to take advantage of any employer match you can, as its important not to leave money on the table, even if it means paying the debt off slower. once the debt is all gone years from now you can do we the hell you want. ideally youd either ramp up your investing significantly or look into buying a home so you can start building equity. but, this far down the line, who knows. just keep your head down, stick to the above priorities, and youll get there.Human: Were it so easy. My 7.65 loan of 20k isnt exactly as easy to payoff as my 5.15 loan of 1700. But because Im unsure of how aggressive I should be with an emergency fund, Im still searching for a better idea of how to allocate what I have in the bank.  <response>: It is that easy. The highest interest debt gets paid first. The exception being that you need money in your budget because you cant make payments on other obligations, and that is not your case. 