<prompt> Human: Hi all! , after looking at some previous posts I am curious as to where you all think I stand. I am 23 and graduating in 3 weeks from college, I am about to start a full time. Heres a snapshot of my ledger.Pluses: Wages: 65K per year take home pay is 3,300 per month InvestmentsStocks: 32,500 Emergency fund balance: None till I finish my high interest student loans my stocks are my fall back if necessary 401k balance: None, cant start that for 3 months anyway, if I have enough I will at least put in the matching HealthcareDentalvision: 100 by company less minor deductibles Cash: 27K Minuses: Car loans: -21,125 14,125.80 4.0, 7,000 0 - family loans Student loans - Government: -28,000 6.8 Student loans - Family: -50,0000 not due till government loans are paid off I plan on just paying off my 2 car loans in full once I graduate because family this way I will own my 2012 f150 outrightHeres how I spend my money each month: Student loans: 1,000 Car payments 2: none after I pay them off otherwise 317 and 200 Rent: 100 living at home for at least the next 12 months AutoUmbrella Insurance: 194.90 I pay these both in full in November Groceries: 350 Fuel: 350 Restaurantseating out: 100 Spotify: 9.99 Cell Phone: 40 Other: 225 Property tax, registration, domain names, server hosting etcI plan on building up to 5-8K in cash with the remainder per month for an emergency fund and then keep that figure there till my EDU loans are paid off. so the remainder per month would go toward my loans.Thoughts?Edit:I can see that I should have added much more detail. I will do that this evening.Edit More Detail Government loans are as follows 1-01SUB 949.485.60 1-02UNSUB3,233.866.80 1-03UNSUB4,375.726.80 1-04UNSUB5,062.586.80 1-05SUB 5,500.003.40 1-06UNSUB2,197.106.80 1-07UNSUB7,627.613.86According to my budget on August 1st I will have approximately 25,128 in CashObviously these do not take into account the interest between now and then but you get the pointAs such I will be paying off all of the un-subsidized loans in one shot 22,496.87 in AugustThen a few months later I will pay the remainder of 6449.48 in DecemberI will still be continuing the two car loans these are on the same vehicle as monthly payments 317 and 200 respectively till the end of April 2015 at the point I will have a emergency fund equal to 10K and then the remainder of the monthly income can be devoted to the two loans to get them paid faster.Expected cash amount each month: Last day of August 2014: 5,666.43 After I pay 22K in loans Last day of September 2014: 7,655.12 Last day of October 2014: 8,518.81 Last day of November 2014: 8,148.50 Car insurance is this month Last day of December 2014: 3,662.71 My last government loan payment ---get to deduct interest paid on loans from taxes--- Last day of January 2015: 5,530.01 Last day of February 2014: 7,458.31 Last day of March 2014: 9,381.61 Last day of April 2014: 11,019.91Lowest I will be is in December at 3,600 and I did not touch my stocks at allNow that I have given more detail, and I came up with more of a plain is that better? Any additional thoughts or suggestions?Assistant: I think you stand in a very strong position. You have a great starting income and while your grocery spending is a bit high, your other expenses are fairly low. That said, your gas is a bit high, long commute or gas guzzler?Human: Combination. 30 miles each way with 16mpg. but I need the truck for odd jobs. I just did not include the earning from them as they are non-consistent. If I were to estimate, probably 5-6K a year in off jobs.  <response>: That truck is going to cost you much more money over its life than your odd jobs are going to make you. Especially when you dont have the time to do odd jobs because youre already working 40 hours a week. 