<prompt> Human: About 1650week income. Low monthly expenses at about 450month not including student loan payments or food. About 65,000 student loans. I have a pension and annuity fund set up through my job. I have 63,000 in my savings account not doing anything for me. I will be moving out soon and probably paying between 1,000-1,500 in rent a month. So Id like to hold on to 12,000 maybe to be comfortable with that. A house will come soon but not within 5 years i wouldnt guess.Any ideas?  <response>: I would pay off the student loans. Be done with them. Then, with your great income, you can build up that 12,000 emergency fund rather quickly. Now you dont have any payments in the world and can start saving for a house and contributing to retirement. 