<prompt> Human: Hi PF. Ive been fairly off-the-cuff up until now but, at 41, Im starting to feel the need for a more orderly financial existence.Heres my situation: 41yo 3,738.96 net monthly income I work 30 hours a week and require flexibility in my schedulelife. I live in San Francisco No rent 8,300 student loans at 6.8 Fair to good credit depends on which company you ask As of July I started paying the student loan as quickly as possible and plan to have it paid off by the end of the year. Im currently researching how to handle my money once the debt is paid off. I want to retain the ability to be spontaneous but reduce the tendency to overspend out of conveniencethoughtlessness just started YNAB. Im also looking to finally begin savinginvesting for retirement. Does anyone have any tips; stories; or advice for me?Thanks for anything you can provide.edits formatting  <response>: Know that you will have to work until you are 70 and probably have to save 30-50 to do that if you plan on staying in CA given all the rumors of how expensive CA is.Youre in horrible position with no savings even though you have little debt. 