<prompt> Human: Im making 75,000 a year but live in NYC working in IT. I have about 12,400 in student loans left to pay offI make monthly payments of 400, and a combined 1,300 in CC debt. My rent is about 600, which helps save money. Living expenses are probably 1k a month considering I eat out a fair amount and go out most Fridays, and buy 1 month unlimited MTA cards. I have a 401k that I contribute just enough for the employer match. I have about 1k in a Roth IRA through Wealthfront. I put money in here last year but havent gotten around to making monthly contributions to it yet. And then about 6k in a savings account. my emergency fund is included here, and I can probably save around 1,200 a month. Though my salary can sustain my lifestyle, Ill have to start helping my parents with their mortgage soon, with monthly payments of about 300 starting in October. My question is: Overall, I havent started investing yet because Ive been trying to pay off my loansdebt first, and then save the rest Im trying to build a 15k emergency fund. Should I change my financial priorities somehow?  <response>: Follow the Prime Directive. Keep meeting the employer match in your 401k, concentrate on paying off high interest debt first, then build your emergency fund up to 6 months expenses, pay down lower interest debts, start contributing to your IRA, save for short-term goals, increase your retirement savings to at least 1537; if you arent already there, etc. 