<prompt> Human: I just made my last loan payment today yay and now have officially paid off about 60k of high interest student loans 6-13 federal and private. I graduated 2 months ago and started paying of my debt and not accruing more my sophomore year. I realized I only had classes twice a week and was able to hold 3 jobs and threw all of it into the loans. Debt scares me more than anything because at least with low income you can move to a low COL area, but debt follows you everywhere D:.Now I have negligible CC debt thats paid off monthly and my living expenses.Monthly income: about 2,500 net main job 800 net side job. Total of 3,200 net.Total expenses that no matter what I cant change for now: 2,700 before food household supplies. I can decrease my rent by 900 in June when lease is up right now paying 2,400 in rent and the lowest available is 1,500 even with roommates. My rent is very high because initially I was splitting it with my so but we broke up and he is no longer paying. He was a legal roommate on the lease not tenant so Im screwed on that front. Im planning to take him to small claims but thats a different story. For now Im stuck with the rent. Assuming 400month on food household needs, that leaves me with 100month.Savings: 9,500 I would ideally want it to be 15. Im 22 and just began a job in my field 20hour gross. Its low but it leads to a far larger career. Currently, I cannot find a higher paying job without at least a year in this position. I also babysit for an additional 800month. Ironically I used to make more money during college serving, bar tending than I am now. Im trying to find a weekend weekday evening serving job again and have gone on many interviews but scheduling is difficult since my availability is far more limited now than it was in college. Weekdays the earliest I could start is 6:30 my job is 10-6 and weekends are generally for senior servers. I have a different interview tomorrow which will hopefully work out and bump up my income but for now, I am left with 100 at the end of the month until my lease ends is up in June.Is there anything more I should doing that Im unaware of? Right now Im working on building my savings until 15k, should that be my only priority? If Im able to get a job and add another 500-600 month, where should that money go? I dont currently have retirement employer doesnt offer it or healthcare wont pay penalty, claiming its too expensive and will qualify with employer in a couple months so should I start contributing to retirement or investing? Any advice appreciated. Thank you.Location: NYC.  <response>: Honestly, you are doing fine. Things are tight right now, especially because of the rent situation. But you paid off your school already and you have decent savings. Thats a big deal. It sounds like you know what you need to do and youre taking the all the right steps. 