<prompt> Human: I made my previous post a couple of weeks ago and got lambasted for it. So Im back and now I want to expand on my entire financial situation so I would love feedback on a good gameplan that I can easily stick with to get optimal results. My previous post can be found here for reference: To recap, I have 25k in this brokerage account separated into 5 different funds which is furthered detailed in the previous post. I currently make 55,000yr before taxes and am contributing 7 of each paycheck to my municipal retirement fund which vests in 4 years at which point I will receive 2 for every 1 I put in and is also retroactive on the money Ive already put. I also put 500 each month into the aforementioned brokerage account. My employer does offer a 457 plan but no match since they already match my municipal retirement fund. I do not contribute anything to a 457 account. I also have an HSA to which my employer puts in 750 a year. I contribute 500 per year to it. It currently has 600 in it.Here are my debts: Car loan - 14,900 at 2.74 Student loan 1 - 2,500 at 6.3 Student loan 2 - 3,700 at 5.25 Student loan 3 - 4,400 at 4.25 Student loan 4 - 1,700 at 6.55 Student loan 5 - 4,500 at 5.35 Student loan 6 - 1,900 at 6.55 Student loan 7 - 5,000 at 5What should my strategy here be? Im comfortable i.e. my standard of living is good right now with making my minimum payments and my savings allocations I could maybe even save a little more if I choose to be more frugal. Im able to live within these means but I just want my retirement plan to be the best possible. I also have goals of investing into real estate as well but I realize I would probably need to tackle some of my debt first. Any suggestions or recommendations are welcome. Ive probably left out some key info so if you have any questions or need any clarification just ask. Thanks for your time!Edit: I forgot to include that I have roughly 10,000 in my savings account as an emergency fund.  <response>: a lot of guaranteed return waiting for you...5, 5.25, 5.35, 6.3, 6.55...its saying you dont even have to think about it, Ill give you this return right now! 