<prompt> Human: Hi all. Four and a half years ago, at the end of 2012, I started paying off my 50K of student loans as I got a 35Kyear job. Today I paid off just over 1K in credit card debt I usually pay it off monthly but sometimes I let it accumulate just a little and made my final payment for my remaining student loan. Here is where I stand now: - Im 28 yo - 37Kyear day job - Variable earning from side job commission-based, made over 10K last year but this income is not guaranteed as there is a shake-up in progress at the company for whom I freelance - I intend to pursue better employment soon but its a theoretical discussion point until I actually move up in my career - Health insurance through my main employer - -800 credit score - Living in NYC, paying 780month for a tiny studio-style space - No 401K, no investment or savings aside from a token 250 savings accountrainy day fundGiven my current circumstances, how would you advise that I make the most of it? How should I invest my soon-to-start-accumulating hopefully income?By the way, thanks to all contributors and to the mod team at rpersonalfinance from this long time lurker.  <response>: Two words: emergency fund.Sock away 3-6 months worth of expenses in the bank, then start working on some retirement savings. 