<prompt> Human: Hello PF!As the title said, I dont know what to do with the money I have.I work in a collections agency sorry, I know people in PF hate our kind and earn about 1600 1955 gross a month, not including the comission that varies every month, so I dont count on it on my monthly budget.My monthly expenses are: 275 rent live with 3 housemates 200 food 60 cellphone 161 transport no car, public transport 100 going out, max.I plan on eventually going back to school, but probably not before the next 2-3 years, in the meanwhile, I saved up 4k emergency fund, what to do with the money? Help please!Sorry for formatting, noob to reddit :  <response>: Id recommend staying out of debt, saving actual cash for school. Many horror stories of paying off student loans these days, you have to be sure that its worth pursuing. You have a salary and thats not bad. Id recommend spending earnedsaved cash on certifications or other smaller required programs that give you specialty within an industry. You can leverage these certifications into a career that will get you more money. Dont let anyone convince you college is worth it, its only worth it for the social factor, and for certain degrees. Even then, if you forgo it you may have a better social life in your late 20s than a normal debt driven cubicle dweller. 