<prompt> Human: First of all, I want to say thanks for letting me browse this community. After doing minimum payments on my loan for almost 7 years, reading Personal Finance gave me the kick in my ass I needed. My 40,000 CAD loan is now down to around 4, which I will pay off within the next month as long as nothing comes up. Now, Im already paying into my pension and I chose the middle plan. With my loan becoming payed off, should I put more into that monthly? I will also be leaving the province where I live to another one in a year or 2 and will need to pull out the pension and transfer it to Ontario. I had a few thousand in savings, but decided to dump it all on my loan. So right now I have very minimal savings around 2000 for just in case Right now Im making 94000 a year and clearing about 65 after taxes and pension. My rent is 60 a month Teaching in the far North so housing is essentially paid for and my car is paid off, so its just groceries that I pay for as there are no restaurants or bars or shops within about 200km of me. Knowing that Im going to be going back to an unstable work market in a year or two and will be taking a significant pay cut probably around 65000 what should my next step be? ETF? Mutual fund? Again, thanks for your help, PF!  <response>: After paying off the loans well done:1. Rebuild your emergency fund.2. Make sure you are contributing enough to retirement.3. Save for goals less than 5 years out, or invest for goals more than 5 years out.Good luck. 