<prompt> Human: I thank all in advance for any wisdom offered. Im a year into a stable career. Prior I wasnt making much of anything. Made about 250k my first year, but thatll increase to appx 450k come January. Paid some credit card debt and other odds and ends that first year. Heres my current glorious reality...BIO: 40 yo single male, no kids, no alimonyDEBT: -Student loans: 600k at 7-Remaining car loan: 60k 4 years left at 1250 per monthINCOME:-Gross: 450k 330k salaried, 120k independent contractthis latter number isnt really known to me in advance, its just a predictionASSETS:-401k: 25k-Index fund: 15k-CheckingSavings: 25k-Crypto: 3kObviously those fucking student loans are the glaring burden. Theyre an albatross around my neck and Ive come to desire paying them off as soon as realistic whereas when I was accruing them, I had a more youthful thought of just riding them out til I was in diapers or a coffin. Live and learn.I have the advantage of living rent free for the next 2 years. After which Id like to buy a house I live in an area where renting doesnt make sense and frankly Im done with renting. My plan to get out of this debt while still building a life is to use that 330k salary estimating about 15k net per month after 401k and pay 10kmonth to loans which should have them paid in just over 6 years, which leaves about 5kmonth to livesaveinvest. The income from the 120k portion of my gross income Id just stash away in a savings account and not touch it for two years. Thatd be used for my down payment on the house. Once I have the house Id now have that additional income to livesaveinvest and depending upon circumstance maybe even get more aggressive with the loans. Halp!!!  <response>: 1. Forget about the house for now. Your priorities are the debt, then, retirement contributions.2. Put 15kmth towards the loans, In fact, make that more. Put most of the 120k part of the income towards the loans, you can probably put 19kmth towards the loans. That should pay them off in a bit under 3 years.3. Then max your 401k, max a Roth IRA via the backdoor, if available, do the mega backdoor Roth, For your contract job, open a SEP IRA and you can probably contribute 24kyr to that. So total contributions to retirement if you cant do the mega backdoor, which most 401ks dont allow would be about 48kyr, which is just over 10 of salary, and is not going to be enough to retire at the same standard of living as when employed, as you are way behind and will be old. Boost those contributions when you turn 50 as you are allowed more. But you will have to invest at least 50kyr in taxable accounts to get set up for retirement.4. So, once you are contributing 100kyr to retirement, you can then save up for that house. That will be about 3 years from now, when you have paid off all the loans. You will still have plenty of money to save for the house, after contributing 100kyr to retirement, if you dont inflate your life style too much. That horrendous car will be paid off in one more year. Drive it for another decade and dont replace it with anything nearly as expensive.Good luck. 