<prompt> Human: 23 years old, started Daves online Financial Peace University bout 3 months ago and I absolutely love it. Was completely turned off by him at first, cus he seemed like a hyped up southern Pentecostal preacher lol. but the points he makes about the philosophy and almost spiritual side of money management have really stuck with me. I dont do all the budgeting in the exact same form as he teaches, kinda simplified it for my own needs, but the realizations Ive had while studying his courses have made me 100 commit to not being jerked around as a mindless consumer. Anyway, the help I need is this: my course expired before I got to complete the last 2 or 3 lessons. Because of my income level when I started, it has taken me quite a while to reach my 1st savings goals. Basically each lesson has a financial goal to complete before you can really benifit from the next lesson. So the following is the goals I am either complete with or coming close, what I need is some direction on what my next goals should be. Preferably what Dave would have come next, but any advice is welcome. 1. Emergency fund of 10002. Pay off all debt using snowball method 3. Save the typical 3 months living expenses in addition to the 1000 So after that last savings goal is complete. What would be some wise investments and savings strategy. Know Im going to start my Roth and thats about all I got so far. Thanks.  <response>: Take a look at our FAQ. The I have X, what should I do with it? section provides a good outline for your future financial goals. 