<prompt> Human: I am knocking on 130k in debt from my undergrad and graduate education. Im planning on using public service forgiveness and IBR to take care of my loans so I should be student loan debt free in 10 years. Somehow, I have managed to put about 15,000 in my savings account. My car is a 2012 and is paid off and I would greatly appreciate some feedback as to what do do with that savings money. I want to keep at least 6k for emergencies in my savings but that leaves some extra money for potential investments.My future earning potential will likely range from 60-120k in the next few years social sciences degree earning variability. I have a child budgeted 15-17 of income for child support in the future, currently rent, and have no other set obligations other than child support, student loan debt, and basic living expenses. Can someone please educate me on intelligent investments? Thank you!EditI am working at a Post-Doc that pays about 39kyear strategy to gain more experiencecredibility and request a higher salary at next position. I have full benefits. I chose to minimize contributions for my IRA as this position was only a year and post-pone dealing with retirement planning until I was set up in place that I was going to be at more long-term. It was a combination of procrastination and trying to survive on such a limited income given my financial obligations. My next job will likely require a move out of state and I am uneducated on transferring retirement investments.  <response>: Invest in making sure your income is closer to 120k rather than 60k. 