<prompt> Human: First let me say that I have never been financially independent and it is a little frightening for me.Id love to hear any advice, tips, or strategies for someone inexperienced!My financial situation is as follows:Loansdebts: 600monthRent, phone, food, gas, misc: 900month. I could trim this up if need be, but it will likely be about 900.Income: 2700month gross. Right now I am planning on saving about 8k for an emergency fund, and then paying down my loans, which are at about 6 interest.Thanks for any advice!!  <response>: Right now I am planning on saving about 8k for an emergency fund, and then paying down my loans, which are at about 6 interest.This is a good plan. i might not save so much for your emergency fund yet though. Get a little bit 3k, then hit the debt, then come back to the emergency fund. Does your employer offer a 401k with matching? If so, might want to put in enough for the match for free money. 