<prompt> Human: Hello everyone,Wanted to get some advice on my financial situation. About enter into my second year of a four year medical residency. Currently making 61,933 salary with a raise next year to 67,933 with opportunity for overtime. I currently live at home in NYC and pay no rent. Starting last year I had 105k in loans which I was able to pay down to 68k which is at approx 5.5 interest. I also put 5,500 into a roth IRA last year and plan to do that again this year. I was just approved to refinance my loans which will bring them down to approx 4.3 fixed interest over five years but I dont have to start repaying until after I finish residency. I will most likely continue to live at home for one more year. My expected salary by the time Im 30 will be approx 300k. My plan:- Pay 5,500 every year into roth IRA now because I will be over the salary cap for it after residency.- All other excess money goes to paying down student loans- I know I could potentially pay the monthly statements on my loans and then invest however at this point I would prefer the stability of having no debt vs the chance of making slightly more money. - Im not saving away every dollar. I do put aside plenty of money for fun and vacations. Please let me know what you guys think.  <response>: Take a look at sites like whitecoatinvestor and physicianonFIRE. They will have useful tips and articles specific to your situation. 