<prompt> Human: I am 25 years old and I make about 2200month after taxes. My typical expenses are between 1800-1900mo South Dakota which leaves about 300 to 400 for savingsroth IRA. I have about 26,000 in student loan debt and a 7000 loan on my car. I contributed 1,200 in 2014 but I feel I should be investing more. Any thoughts?  <response>: Please read I have X in the FAQ. 