<prompt> Human: I like to think I am both financially literate and financial stable, however Im having trouble figuring out what the best first step is.I graduated college about a year ago 22 years old and I have been trying to pay the loans off aggressively about 11k left. I have a good job but its in sales so may be a little unstable in the future. I have about 11k in savings. Have put very little away for retirement. I also still live with my parents so my expenses are very low but I am looking to move out soon and unfortunately the place I will move to is pretty expensive. I work in the DC-area so it only makes sense to move as close as financially possible. I understand how important it is to save for retirement and I know the many vehicles to save for such, but I guess what my question is: should I completely pay off my loans and ditch the emergency fund I have built and put retirement on a very temporary hold. Or slow down on the loans and put more money into 401k and level out on the emergency fund? Perhaps a third option I am not thinking of?  <response>: Flowchart from sidebar 