<prompt> Human: Im 24, been working for about 7 months now. Basically, I wanted to maximize my gains so I withdrew nearly my entire savings account and maxed out a Vanguard Roth IRA.Im able to save 500 a month which will allow me to max out my Roth next year, but I would have very little savings until I finish paying off my student loans. Im paying 1000month on 31000 loan with 4 interest. I dont suspect any issues with work and thought this would be the best way to both pay off my loans asap while still being able to invest but was wondering if this is something people would generally advise against doing. I have around 33 months left to pay off my loans and then those 1000 payments would convert into savings. Edit: Might be useful info - My minimum loan payments are 250 and while I am in a paid ahead status I can miss payments if recommended to rebuild my savings.  <response>: I think youre fine, since you can withdraw your Roth IRA contributions not the earnings tax-free and penalty-free if an emergency comes up. Hopefully you wont need to. 