<prompt> Human: I graduated from college a year ago and have been working this year making a salary of 30k. Ive always had terrible money anxiety and because of that have always tended to be frugal and try to save as much as possible. I worked during college and currently have about 19k in my checking account and 10k in my savings account for that bank. I also have about 10K in savings elsewhere, and 5k divided into two IRAs. I do have about 13k of student loans to pay off, but I am about to move home for at least a year to try to save since my income is pretty low at least it seems that way to me. Comparable to the average savingsnet worth of other people my age, how would you feel I am doing and where would you best advise me?Thank you!  <response>: Pay off your student loans, now. You dont need much of an emergency fund living at home, with expected monthly expenses less than 1K. 