<prompt> Human: Hello All,Thank you all in advance for the help. I have been in a specialized corporate job for the last few years and have been dealing with serious family medical issues so my attention to Personal Finance has been completely lax. I am now moving into a new job same base pay, but much less hours and would like to get my ducks in a row I think I am making some huge mistakes. Ideally, I would like to purchase an apartment in the next couple of years, but have student loan debt and am not sure what to do Pay more down on the debt or continue to save. I would like some advice on how to handle my current situation.Details:New Job in New York City: 165K a year. 20K signing bonus. 6 401k match.Current Financial Situation:Student Loans: 98K with Nelnet. 21 years left on loan Loan started at 217K. 7.5 interest rate.Chase Savings Account: 50KChase Checking Account: 20KI have been saving for that the real estate purchase, I have not contributed to my old jobs 401k-- they did not match.Rent: 2850Utilities: 250Student Loan: 900 per month.Net Income is around 7300 a month I usually get about a 5-6K refund come tax season.I have no other debt. Credit rating around 810.I have looked into at least moving some of my cash into one of those online banks with a 1.0 interest rate, but I am not sure what to do there. I also plan on 401K matching at my new job, but am open to suggestions. I have spoken to a financial advisor at Morgan Stanley friend of a friend and I did not find him particularly helpful. Looking to you reddit to help me get things in order!  <response>: I would max out your 401K to start. With that salary and not having done a 401K at your last job, 18,000 does not seem excessive.I would also move your savings out of Chase and into a higher yielding savings account.Then I would sit down with your new takehome pay and figure out a monthly budget that works for you. If you could save a couple thousandmonth towards the down payment that will go a long way. Set up auto-withdrawals to the new online savings account. 