<prompt> Human: Hi, Im about to graduate with an engineering degree and was fortunate enough to land a software engineering job in NYC Ill be 22 when I graduate.Because of my signing bonus 75k lump sum, my total compensation for my first year will be about 215k, but thereafter should be about 140k annually, but some of this is in equity which starts vesting one year in base salary target performance bonuses 115k annually.I play to live with my parents in NJ and commute to work until I pay off my loans. My employer will also feed me and pay for my phone and gym, so my biggest cost of living will be transportation 400 a month for public transport.This is what I roughly figure for the first year:215k in gross income - 60k in taxes - 5k for transportation - 7k traditional 401k contribution matched by employerLeaves 143k to pay off my loans which have 9 interest. Am I being realistic?I recognize that, despite being 150k in debt, Im in a relatively fortunate position, but Im still feeling a bit overwhelmed, so any advice would be much appreciated!  <response>: You gotta think that you are going to spend some money out of that 140k just to do stuff. Even if you invest 100k in to your loans id say you were doing pretty good. The faster you hammer down that principal amount the better. Id shoot for 2yrs to payoff the loans. 