<prompt> Human: Ive got 60k in savings and only 22k in my Roth IRA. Tuition Living Expenses over 4 years are going to be humongous. Should I spend all of my savings on the first year before starting to take out loans?I have no other existing debt.  <response>: No, keep it as an emergency fund.It may cost you a bit more in the end, but paying a couple thousand in interest is worth the extra security that emergency fund will provide you over the next 6 or so years you are in med school and doing your training. I know more than a few med students that stress out about their financials. Less stress about money should help you do better in your studies. Once you get a steady income you could, and should, then start paying down the loans quickly while maintaining a 6 month emergency fund. 