<prompt> Human: My age: 25 Income: 43k Account type: IRA Debt: Student loan 13k 6 Other savings or investments: 3 months of emergency fundI got my first job out of college with 43k gross paycheck. I expected to get 401k matching but my employer doesnt offer any 401k plan. So, Id like to open an IRA and get better chance for funds selection. Particularly, I want to make up interest from my student loan, when I take tax benefit and portfolio return into consideration.Ive lurked on here and learned so much, but I am still pretty intimidated when it comes to financial matters. So, I want to ask some questions first:1. I found this portfolio to imitate. Does it look reasonable to me?2. If not, what are the heuristics to pick cost-beneficial funds? Are there any better strategies to follow?3. Will I make a breakeven in terms of tax benefit and portfolio return?I would sincerely appreciate for your input.  <response>: If I were in your shoes Id buckle down and knock out the student loan ASAP before contributing to an IRA. 