<prompt> Human: Right now I about 24k in hard cash, car is paid off, make 48k a year, dont put money into IRA or 401K and just put it in savings. I have about 19K in student debt for my undergrad and graduate degree. Is it worth paying off my student debt entirely right now? My monthly payments are 93 a month and the interest rate is 3.3 since I get .25 off due to automatic monthly payments.  <response>: I think the general consensus here is:-hold 6mo worth of emergency funds-contributemax out ira401k contributions-anything left over put to paying down debt 