<prompt> Human: Late last year, I arranged my finances so I could put 1,000 a month into a savings account. I will continue doing this for the foreseeable future. On June 1, I will have 10,000 in this account. On that same date I will need to resume paying on my student loans I deferred during grad school, which ends in May. In total, I have about 10,000 in student loans. I have five loans total, four of them at 2.85 and one at 6.85 This one is the largest 3,300. It seems like an easy enough move to just write the check and be done with these loans forever. However, Im getting married this September. She has 16,000 in student loans and many of them carry a higher interest than mine between 6-9 percent. It goes without saying that these loans become my loans too after the wedding. In addition, Id like to go on a honeymoon to somewhere in the Caribbean in January 2019. I figure this would cost 3-5K. Finally, If I wipe out that account, Id only have my second account 2,000 for emergencies, though I can build that quickly through the 1,000 a month savings habit. Am I being unwise for wanting to wipe out my loans? Is there a better way, generally, to balance how I use this money?  <response>: Pay off the 3,300 6.85 interest loan.Do it now. Dont wait until June.Then keep saving the rest of the money and adding 1,000mth.By the end of Sept. you will have built the savings up to 10,700.At that point I would put 3-5k towards the honeymoon, and another 3-5k towards her highest interest loans.Of course, she may have money too to pay down student loans or contribute to the honeymoon you dont say. You could also hint that contributions to the student loan payoff fund would be more appreciated than toaster ovens as wedding gifts, which might recoup some of the money you spend on the honeymoon.Anyway, if you pay off 5,000 of her loans at the end of Sept. You will pay off the rest in less than a year.I wouldnt worry too much about the loans at 2.85. You will do better investing than paying them off, though I might pay them off when convenient.Good luck. 