<prompt> Human: Living with parents and working only 20 min away has saved me a bunch of money over the past 1.5 years, so I managed to pay down my previous 23k loan to 3.9k. In hindsight I wish I hadnt spent money on other things, but whatever, nothing I can do about that.Im working full-time 15hourly with at the moment available overtime up to 10 hours at 22.50hour.Anyway, with my loan interest growing ever so slightly every day, should I bother making large payments on it Im talking between 500 and 2k and pay the minimum monthly which is 144.10 and instead start investing that somewhere elsebuilding up my emergency fund a bit? Ive got about 1200 across my accounts as a buffer in case anything were to go wrong with my car, etc. but thats about it.Other than the student loans, Ive got 2000 left on my car to pay interest-free I might add; my parents bought the car for me and I paid them back the majority of it.At this point Im looking at the best route to take. Ive got my goals set up to pay off the car by August next year, when the title will be transferred over to my name. So, what would be my best option right now? Putting money away to invest; a car, a house, etc. the big purchases that are coming up, naturally, but for the most part, things are wide open.Edit: I should mention that Im looking into opening a Roth IRA through Vanguard because that seems to be popular in this sub. I should also mention that Im not very well educated in finance, so Im looking at this based entirely on what people are posting in this sub. Not sure what to invest in and how much. Ive got my priorities when it comes to money, though, so Im not spending my money freely. Just need a bit of guidance.Double Edit: I also make approx. 6k subcontracting yearly web dev work on the site, at this point in time. I also overuse parentheses a lot.Triple Edit: I set up a few savings accts with Capital One 360. Ive had them for a while and am going to capitalize heyo? on a better APY. At the moment, Ive got it set up as following:400month transferred bi-weekly to an emergency fund. If it should be higher, please dont hesitate to tell me Im wrong for using this amount.300month towards a house bi-weekly. This isnt entirely important to me right now because Ive got a somewhat ideal situation right now. When I move to a new location, it will be because of a. a new job, or b. Im getting married, so Im saving money til one of those becomes a reality.300month towards a car again, bi-weekly, just because.  <response>: Just kick the school and car debt and be done. Youve worked so hard, just finish the task! 