<prompt> Human: I just got news that my parents will be paying off my students loans by taking out a loan in their name which I will then repay to them. The reason for this is currently my rate is 6.8 and theirs will be closer to 4 and they also promised a long time ago to pay half of them for me as a graduation gift or whatever. They just sold their house and will be downsizing so they are in a good place financially to do this. My question is about monthly payments, I will now be required to pay them about 150mo for 7 years instead of the 425mo for who knows how damn long to the government. I bring home roughly 2700 a month after taxes and get about 400 from my girlfriend for help with the bills. Rent is 1200 cable and internet is 120 ad foodgas runs us about 300 a month. We only spend about 50 a week on excess things sometimes more sometimes less. Thats about 1900 a month, so I have about 1200 left. I need help with how to use that money. Due to a drug addiction I have absolutely no savings, I am past that though, heroin is a hell of a beast but I beat it and Im never going back. Surprisingly I have no debt from that and my only debt is my loan.What would you do? Pay 150 in loans and save the other 950 to an emergency fund? I need like 3 months living expenses saved up right? Thats about 6000 so I should be able to do that in six months. After the six months should I start paying like 300 on my loans? Or should I start investing a little bit? Mutual funds? I already put money into my 401k I think its the max but I need to double check.I should be getting back about 1400 for my taxes this year too. I really dont know how to use that money best, should I take half and make a lump sum on my loans? I was planning on taking about 10-15 for myself and saving the other 1200 or so but I dont know the best way to go about that.Also, Im not sure if it matters but Im 23 years old and single on my taxes but in a long term relationship. How would getting married impact my finances?Wow thats a lot of stuff to ask. I hope someone can provide a little advice, some of you guys seem to really have it together and I make a ton of money for my age. Now that Im done spending every penny on drugs Ive been off heroin since November 25, it is no longer an issue i would like to learn to save every penny for a better life. The reason i included the bit about the drugs is to show where my money has been going, i think i spent about 25,000 last year on that shit. Since quitting Ive had a crazy amount of money but Ive just spent it on other things. Im serious about getting my finances in order and will appreciate and any all advice. I typed this on my phone please ignore any typos or grammar issuesAssistant: Take your parents out for dinner once a month and set a little more aside for their birthdays and Christmas. And gratz on kicking heroin!!!Human: Taking my parents out for dinner and buying them extra shit for Christmas is the fucking dumbest thing I could do with my money.This is personal finance not consumeeverythingyoupossiblycan.What the fuck  <response>: Emphasis mine: Im serious about getting my finances in order and will appreciate and any all advice.So, I say to you friend:What the fuck? 