<prompt> Human: Ill skip the excuses and get right to it. Im 29, male, stay at home father of a 15 month old. Wife makes 65k. We have 600 in savings.The only loans we have are student 40k mostly wifes and one car loan 3k left.credit card debt is about 150.00 Obviously that will be paid off this month.I am certain our credit scores are both crab hers is prolly better.Here are my questions:How do I prioritize saving vs paying down debt? We just started a 4 401k. Her company matches .5 of every dollar up to 6 but I wasnt sure if we could afford to put that much as the past 3 months have been the first time either of us really paid attention to finances. I know an emergency fund is highly desirable, but what to shoot for?After really really watching our spending habits and tracking everything through mint. I think it is perfectly feasible for me to put 200 into savings this month and have 1000 left over we live in Texas, its cheap to live here. What should I do with this 1k? How do I tackle these loans and medical debt? Im an optimistic guy, but man... it looks rough.Any tips appreciated and thanks for your time!  <response>: With the responsibility for a todler I would first focus on building a decent-sized emergency fund, holding at least two months of your regular expenses and expand it to six months later. I would up the 401k contributions to six percent as soon as you see that your monthly budget is doing well and that expenses are much lower than income. But maybe wait until February or so when youve had a few months of experience. Use annualcreditreport.com to get both of your credit reports for free. It wont have a number, but it will show you what bad items you might have and then you can perhaps work on them. 