<prompt> Human: Hi folks,Just wanted to share this to brag a bit I am proud and provide some inspiration for anyone in debt. I graduated college a couple years ago with a hefty student loan bill around 60k. Since that time, I have been employed full time and paying them off as quick as I can and saving some along the way. I finally went over 0 Net Worth in June of 2015. What Ive done: Put 7 per paycheck in 401k with 50 company match Started a Roth IRA with 200 per month auto-contribution Vanguard Started an emergency fund with 3 months expenses Put as much extra money as I can into the highest interest loans Refinanced the remaining loans around 6.5 with SoFi to 3.5 variable interest rate once they would approve me, I plan to pay off within a year Tried to live a frugal life while still spending moderately on the things I enjoy most, food and travel.Sure there are things I can and should do better max out 401k and Roth, spend less on food, and other ways. I am happy with my progress so far and the direction I am headed. Obviously what you can accomplish depends on income, but if you set a reasonable financial goal and work toward it you will be rewarded.EDIT: Some more details people have been asking for: Income - Salary averaged around 80k over this time span. Live in a high cost of living city, not with parents.  <response>: good job, uaclb5. youre headed in the right direction!! : 