<prompt> Human: Hello everyone!I could use some insight on whether or not I am allocating my money correctly...I wonder if I am putting too much in my 401K or if I should pay my loans down more Salary- 50K per year 401K-20 with 6 match around 450 per paycheck Emergency fund- 8000 Bi-weekly paycheck- 1050 Student loans- 15,000 4 loans, two smaller ones at 6.8 and 2 larger ones at 4.5 Rent- 200 I live with my fiance and help him out a little with his mortgage Dogs- 100 per month toward doggie day caretoysfood Food- 250 I workout a lot and therefore eat a lot Student Loans- 130 minimum The last 5 months I payed 800 a month but slowed down this quarter to save as I have 3 weddings to attend in different states all within 2 months of each other. Fun- 300 hair salon, trips, movies, going out, clothes, books... Gas- 120 Misc- 100 house supplies, car repair, small unplanned incidentals TOTAL 1,200 which leaves me 900 per month to save or put toward student loans.My question is, should I put the remaining 900 per month toward my student loans like I was in Q1 and Q2, up my 401K, put more in my E-Fund, or all three? I would like to knock out these student loans and pay off the higher interest ones first. But I also have a wedding in April and will need a couple thousand to help with what my parents are paying. I also would love to increase my 401K to 25...but is that TOO much? Should I keep my retirement at 20?  <response>: 6.8 is definitely high enough to warrant paying off instead of going for your 401k in most scenarios, 4.5 a little less so. Your EF is more than sufficient for your current expenses. Id say bank everything to get rid of your student loan debt and then either put more toward your 401k or another savings fund. If you and your fiance are fine in his current house, that would remove the need to start a down payment fund. Id start a wedding savings account if you dont have parents financially capable to cover it. 