<prompt> Human: Ive just started a job. My take home pay is 3900 per month. I plan on maxing my Roth IRA 458, maxing my employer matching on my 403b 300, and maxing out my HSA 275. This is 1033. After health insurance premium, rent, utilities, internet, phone bill, transportation, and groceries are accounted for, I have 1000 per month left over. I live in an expensive big city with public transit so no car is needed. I have 14,000 4.75 in student loans. I believe if I make minimal payments for 2 years the interest rate falls to 3.75. No other debt. My goal is to pay down this debt aggressively with this extra 1000 per month, despite the fact the interest will drop for me after 2 years.I dont plan on buying property in this city but would like to eventually purchase a home for my retirement in Arizona. I am 31. Im single but plan on settling down once the right woman comes around.Because of graduate school, Im behind financially in many ways. I dont have a mortgage, only 10,000 in retirement, but do have a 5,000 emergency fund.My questions are: am I putting away too much for retirement? Any other criticism of my plan? Am I missing something?  <response>: Too much money is less of a problem than not enough money. 