<prompt> Human: I think we have a pretty common story but thanks in advance for reading. My wife and I are 26. I am finishing up graduate school. I just got a full time job that pays 32,000 and she has a job paying 43,000. I will be able to apply to better paying jobs 45,000 to 60,000 after I finish my thesis. We have 5 student loans 3 private and 2 Federal they range from 3 to 7.74 we have been paying the minimum on all of them except the highest interest rate one we put an extra 200 a month. I read a book by Dave Ramsey on debt and he said to get the momentum going start tackling the lowest amount loan first. We have about 16,000 saved which I know is a higher emergency fund than needed. But we are about to buy a used car for around 7,000 so that we dont have to make monthly payments on our car lease. I am wondering how much money should we be dedicating to our student loans and how much should we start putting into savingsretirement account. We currently pay about 700 a month in student loans. We budget about 1,250 in rent, 130 in utilities, 400 in groceries, 300 for everything else. We also have an Acorns account that puts about 50 a month into the stock market.. The rest has been going into savings. This was when we were making far less around 55,000 Now that we are making more what makes the best financial sense in terms of student loan repayment and saving for future expenses like a house and retirement?Edit: sorry new to reddit. My wife is eligible for employer match retirement account in about a month or two. We do spend a lot on groceries but we are usually under budget because we meal prep and plan out for each week and use the extra for eating out. Also I agree Dave doesnt seem to understand science. We are uncomfortable with a low emergency fund and would like to save for at least 3 months of expenses. I am finishing up my thesis and then will be applying to new jobs and my area is social science with an emphasis on research design and statistics. Also we got out of our lease without having to pay anything it was a full buyback which was awesome went on the last day of the month.Edit: Just so happens that the highest loan rate is also the lowest loan amount around 5,600 leftAssistant: Yeah we shop at Trader Joes my wife really likes healthy food. But I agree it is too high. We meal prep and plan out everything each week though. And we are usually under what we budget and use that for going out sometimes  <response>: Dont stress the food budget. Youre eating quality foods that you cook at home for less than 7 per person per day. A lot of people spend that on coffee. The grocery budget isnt a problem here, keep taking care of your bodies, theyre the only ones you get. 