<prompt> Human: I made a post about a year ago, but our situation has changed a bit and I need some advice.Weve crushed my husbands student debt in the past year using his side hustle income- was about 25,000, is now down to 9,000. Paid off his car, and my car loan is down to 2,800. Student debt interest rate is 3.8, Car is 0.9. We recently purchased a townhome, so our homeowner costs are a bit more risky now. The townhouse is 3 years old, so pretty much brand new HVAC, etc... definitely less risky, but still a risk. Our net income is about 4,500 a month without his side job thats real estate, so commission and sporadic. Grossing about 90k annually.We have 5,000 in savings after the house purchase. Our budget leaves about 1000 leftover every month. My gut tells me Id like to knock out that student loan debt. We could be done with it in 9 months! If one of us lost a job, our current savings would last us 6 months, as wed only be in the hole about 800 a month. However, if both of us lost our jobs, wed be screwed in about 2 months! I feel that both of our jobs are very stable. If you were in my situation, what would you do?Also note: I plan to go back for my masters online next fall, continuing to work part time or full time, and taking max 25,000 in loans over a two year period of time.  <response>: I do not believe in as large of an efund as many do on this sub. However, I do think you are cutting it too close.I would personally build it up to 10k, then hit the student loans. After those are gone, I would go after some lower risk investments that would serve as my buffer for a catastrophic home failure, like a huge HOA assessment. 