<prompt> Human: I graduate in July and start my first relevant job in September. Throughout college, I just paid my parents 400month that covered basically all my expenses other than gas and insurance. I read through the 18 to 25 wiki, so I apologize if my budget seems unrealistic. So this would be my proposed budget after moving out...any thoughts or changes yall would recommend?Budget LinkSome important things to note: Planning to stay on my parents healthcare plan, so my healthcare expense estimate is based on my co-pay for dental cleanings, vision, physical, and any miscellaneous medicines. Have student loans totaling 38k at 5.14 interest I have like 5k in savings now, which Im planning to use to cover all the initial moving expenses I have a 2002 Honda Accord with 180k miles, but the transmission was re-built at 160k miles. Im not really a car person, so I dont know how long that will last. Maybe I should start saving for a replacement. My employer provides a 401K with 25 matching contribution, up to 6 of my salary. My job is in the public accounting industry, so my job security isnt too volatile.My main concern though is that Im unsure whether I should prioritize my excess income to go into an emergency fund, new car savings, student loan repayment, or 401K?Assistant: Saw the beautiful spreadsheet, then saw where youre working. Definitely the correct field my friend. So first, you will want 11-13k in an emergency fund honestly in case things go south. What do you plan to do with that net income portion of what youve mentioned? How much will you be contributing to retirement versus how much youll be contributing to your e fund?Human: Well I originally was planning to just dump all my excess income after my 5k savings to pay off more of my student loans.  <response>: Eh, you want to at least have access to cash at some extent. you dont really have that large a loan balance at a fairly alright interest rate. IMO its more important to have an e-fund while still meeting your monthly payments. Cant go to the grocery store with a paid off loan. 