<prompt> Human: Hey yall, long time lurker. I graduated college in May with about 12K in debt thankful that my parents were able to pay a large sum out of pocket along the way, oh and scholarships. Parents are currently paying the car, but i cover other maintenance related expenses. I live at home, so no rent expenses. I have a job that doesnt pay extravagantly well 30-35Kyear, but I am able to pay my bills.I dont have any pressing credit card debt maybe some things that i have riding on the no interest periods, but am able to end the month with all bills paid. I pay about 200 on my loans monthly. I still have about 1000 at the end of the month to saveuseplay with. My instinct is to try and pay down my loans with any and every money left over, but i like to live a little and be able to treat myself to thingsexperiences throughout the year. I would say i am definitely in a fortunate situation where many of my expenses car payments, rent, utilities are paid for, but i also figured this is when its important for me to take advantage of extra expendable income and utilize it in a way that will make my life later easier. What are some good next steps i can take towards investing in my future?Edit: more detailsI have about 800 on a card that doesnt charge interest until May, but its not really my expense. I paid it down prior to letting my mom use it for a purchase she wanted to split up over 3 months, so theres really no concern on that becoming an issue. Student loans have an interest rate of 3-4. My plans are to hopefully move out within the next 2 years into Manhattan. But not sure if Im capable of taking on that many expenses lol.  <response>: What are your plans for getting out of the house? That would be my first goal in your shoes. 