<prompt> Human: So I work in sales and have been at a good company for about 2 years now. Ill have made about 70-80k by the end of the year, and expect as much next year. Im about 30k in debt student loans plus my car about 9k left. I recently paid off am old credit card, currently dont have one. I now have much more in my checking than I can possibly need, and know that I should be doing more important things with it, but I dont know what or how. I have literally nothing in savings or in a 401k. What is some good advice on what I should be doing, and what my priorities should be?Last bits of info: I live in California. Im renting a place with roommates, and only spend 600 a month on rent.  <response>: Follow the steps and the flow chart here:If you do, you will be managing money better than 90 of Americans.Good luck. 