<prompt> Human: Thanks to the great advice in this subreddit and YNAB I M, 25 feel Ive really taken control of my finances finally coming through on a New Years resolution. In the last 7 months Ive paid off my CC debt 2,000 and over half of my remaining auto loan 4,000 However, theres still much work to be done and I could really use some help prioritizing my next few moves. Quick RundownIncome Variable: Work 1,800-2,800monthExpenses: UtilitiesInternetCable - 134 GroceriesLiquor - 200 Gas - 100 Car Insurance - 55 Entertainment - 300 TravelChristmasBirthdays - 200Savings: Emergency Fund - 1,300 in Savings Account No Other Investments or Retirement SavingsDebt: Auto Loan - 5,100 at 2.99 Min payment 200 Student Loans - 23,000 at 5.5 Min payment 167PrioritizingRight now Im planning on heavily paying down my auto loan and should get that out of the way by January. After that Im not sure what to do. I know I really need to get some long term savings savings started especially since my company does offer a small 401k match. Once the auto loan is out of the way should I funnel that income into paying off my student loans as fast as possible which would probably take 2 years? Or would it be better pay minimums on the student loan while growing my retirementroth IRAwhatever since interest on the loan is tax deductible?I know this is small-ball compared to most posts here on PF but thanks for the read - advice is much appreciated.  <response>: Either goal paying down debt or investing for retirement is admirable, so you cant go wrong. Id get the 401k match, beyond that probably grind off the student loans. 