<prompt> Human: This is the first post in a series of posts I will be making to learn how to deal with my financial situation as I feel its quite unique... A quick search yielded a max loan of 120kBG:I promised myself that I can spend freely until 22 to cope with the stresses of school and keep my sanity. It worked and now Im in a comfortable place and know I will finish the degree. Worst case scenario is I will be making around 80-90k with benefits or hate my life and make 100k with some limited progression options to make a bit more. Now the tricky part. I will graduate with an estimated 250k in debt. Once I land a FT job, I plan on maxing out my 401k, roth, and any and all pretax retirement offerings I can get into. The rest will go into monthly expenses, a car, and my familys mortgage. I also want my parents to have nothing to do with paying off my debt. Theyve given me more than enough and deserve to retire in paradise.Stats:Part time at 16.50hr 10 on evening shifts every other weekend, bring home a little more than 100 every weekWaiting to hear back from another job for 20hr to fill up the other weekends2500 in stock market with 22 quarterly dividend, plan to use this to day trade as my schedule frees upebay side business bringing in 100300 every month depending on salesminimal savings, usually in the lower hundreds depending on my spending. 500 cc debt which will be paid off by the end of the month.current loans:fed subunsub: 27k 4.29 fixdiscover student: 42k 4.99 fixI also have a parent plus loan that I cannot check atm but Im sure its in the 30-40 range with a fixed 6 - 7future loans: my final two years will cost over 100k total because scholarship cant be applied to these years since they are considered grad years. I plan on taking them out of discover at the fixed 4.99PlanIm going to start to cook at home again and stop eating out all the time so I will save a lot on that, Im going to save more by not purchasing 400 headphones and shopping for new clothes all the time, etc. I will also start learning about the govt and private student loans I have and see if I can start paying interest on them now.Question:Other than the obvious stop spending like an idiot and saving how should I prepare to burden the debt once I graduate? What can I do to make my income work for me now?Also: I realize it is unwise to be financially irresponsible for so long, but I really needed to use the money to destress because my sanity is important in my line of work.Also I will update information as needed.Edit:Added loans.Also, to clarify, I wasnt living above my means perse, I just never saved. I never had to use loan money to pay anything off etc. My spending wasnt constant. What I meant was I didnt bother with budgetting and saving to spare my brainpower for tackling my studies.  <response>: One, living like you well beyond your means as a student is not an acceptable way to keep your sanity. Beats be dre is not an appropriate stress reliever.You will need to fix this behavior in order to become financially sound as life generally gets more stressful not less.As far as next steps, forget maxing out retirement savings with that debt load. Get an emergency fund and enough to get employer match. Everything else goes towards debt. You didnt live on a students budget, and Id suggest setting a budget as if you were a student now so you can pay down some debt and start saving for the future 