<prompt> Human: Hi everyone, I just graduated college and will be starting my career in January. My annual salary will be 68k, but have 35k of student loans to pay off as well. Outside of expenses and student loans, I plan on putting 6 into 401k 50 matching up to 6, and another 4 into Roth IRA. The rest will be short-termlong-term savings and EF. If you had one important piece of advice you could give, what would it be? Any knowledge you could bestow upon me would be a great help.  <response>: Lurk on this subreddit for a while. 