<prompt> Human: Hello, I have been lurking on Reddit for about 7 years. I just finished college last year. I got my first career job in December 2014.I would like suggestions on paying off my school loans, lowering my taxes, making better investments for retirement and any other financial advice I can get.I make 68016year. I am an hourly worker so that comes to 32.70hour. Depending on how the days land I may have an extra day or two on my paycheck.In case you are wondering, I am a software engineer.I am single, live in California and rent a room.At some point I will need to buy another car, mine is pretty old, 1998 Ford Explorer 170k mile, but no car payment for now.Last Paycheck Breakdown 2 Week Period:Hours Worked: 80Hourly Rate: 32.70Gross Pay: 2,616.00 Deductions from Pay: Pre-tax: 190.09 Dental: 6.11 Medical: 27.02 401k: 156.96 Taxes: 698.93 Social Sec Tax: 160.30 Medicare Tax: 37.49 Federal Income Tax: 365.59 State Tax: 112.30 SDIUC Tax: 23.25 Total Deductions: 889.02 Pay after Pre-Tax: 2425.91 Pay after Taxes: 1726.98 401k Matching from Employer: 78.48 BillsPer month RentUtilities: 500 Student Loans: 387.73 to keep interest from growing, 0month required Sports: 80 Savings: 1000month Current Savings Balance: 2500 Debt: Student Loans: 81,820.31 All Federal Loans. A Masters Degree is expensive 2 Credit Cards Both only used to build credit Paid off every 2 weeks 0 balance carried over month to month.Edit: formatting  <response>: In general - Contribute up to company 401k match, gather an emergency fund of 3-6 months, then pay down debt asap. Pay down debts, dont add bad debt. 