<prompt> Human: Bio: 23yrs old Male Engaged - 1 year away from wedding - living separately until then Midwestern USAWork: -35hrsweek Commission sales pay varies Roughly 2,000 - 2,600 month AFTER TAXES, 401K, ETC.. 401K - Company matches 50 of my investment up to 8 so 4 for them total and I put in 10 - currently at 6,300Side Investments: Roth IRA - invested full 5,500 last year and need to invest still this year. Currently worth around 6,000. Stocks - personally invested 200 in GE on 18th Birthday. Currently worth around 500 - 600. Should probably invest more and diversify, right? My Fiancée - 0 student debt, college degree, smokin hot.Student Loans: Started with over 30,000 at 6.55 Down to 23,000 since graduation 1.5 years ago Paid off accrued interest lump sum ASAP to get at principal Min payments 310 month currently paying 500 monthCredit: 3 different credit cards trying to build credit paying in full every month - 0 outstanding debtLiving Expenses monthly: RentWaterElectric 750 InternetCable 50 Cell Phone 50 Gasoline 150 Food 200 Various Other 150So, like title says, I am making ends meet and I want to know what else I can do to be better off. Not mentioned up top but I only recently added those living expenses because I lived at home right after College and bummed off the parents.. Not proud to say so but it helped me pay loans and save a lot of money. Currently have around 20,000 total saved up in bank account. I just hate that I have so much money saved in a practically zero interest checking account... should I invest more, buy bonds, other? Outside of my next 5,500 drop into my Roth I am flexible.. Fiancée says I should ditch my 150K mile car and get something nicer but used I would pay cash because fuck loansNothing actually separated in emergency fund, spending money etc.. I normally pay everything in credit cards and pay those back every month Side note, already taken LSAT and looking at applying to Law Schools for next fall. Obviously this will be HUGE expense and debt.. Should I just keep saving every penny I can or try investing short term or what?  <response>: Youre doing perfect. Keep on keeping on. Go on a small vacation before starting law school. Reward yourself, youll be much happier.When you start law school you probably wont have time for work, so roll over your 401K to an IRA. Save your money after the vacation for a rainy dayweddinghouse. Oh, you could also put like 10-15K on those loans. That interest rate is pretty high. I paid off 29K in loans after graduating with variable rates between 6.5-8.5 in 1.5 years and was very happy to do it. 