<prompt> Human: Id appreciate some feedbackconstructive criticism on where I am putting my money. Just want to make sure Im not making any mistakes, and if I am I want to correct them ASAP.Me: 25 yo male. 5,500 in savingsemergency fun. 1k in a travel fund. Try to keep a minimum balance of about 1k in my checking account after all bills are paid.Income: 63kyear. Paid bi-weekly. Most months I make 3100 after taxesbenefits401k. Couple months a year I get an additional paycheck. In June my salary will be increased to roughly 70kyear.Investments: 5 of my income towards my 401k 12k which is the max for my employer match. I also contribute 150month to a Roth IRA 3.5k.Loans: 9200 of student loans. Currently paying off 300month.Expenses: 750 rent 100 Utilities 336 Car payment 1000-1500 Credit Cards per month 250month to Savings 200month to travel fund Traveling is important to me, I want to be able to travel guilt free Should I be putting more towards my student loans? More towards my emergency fund? Should I even be contributing to my IRA or would those funds be better spent towards loans? Let me know your thoughts! Criticism welcomed!  <response>: WHAT ARE YOUR GOALS? If you dont have specific goals its impossible to give good advice. Do you want to be debt free? Do you want to retire at 50? Do you want to take around the world vacations every year? Once you decide what you want to do with you money it will become much clearer what your priorities should be. Then you can start to make adjustments to your spendingsavings habits to achieve these goals.So what do you want? 