<prompt> Human: Hey PFSo lately, out of pure interest, Ive been reading a lot about investing and decided I should delve into itFor a bit of a background, I am 21 years old and a senior in college and will be graduating in May of 2018At the moment I work part time, 20 hours a week and bring home a little over 1kMonth. I am currently putting 6 of my paycheck in a 401k, which is the max my company will match.I have already accepted a job for after I graduate that will begin around July of 2018 with a salary of 62kyr with about 4k in relocation every year ill be moving every year for 2-3 yearsSo currently, I have about 9k in a checking account and another 4.5k in a savings account. I am pretty proud of the money I have been able to save up, especially while paying for my own rent, food, gas, etc really everything besides carcell phone bills.Finally, I do have some unsubsidized student loans that I want to pay back in the near future that currently amount to 9.5k 32.75k loans 1.2k interest. These loans have an interest rate of 4.660 is that high?The year is coming to an end I have been reading up about IRAs specifically Vanguard Roth and was wondering if now is a good time to start depositing some money into an account like that since its December and I would need to deposit before the years end since it seems to be whats recommended for young people with low salaries.What should I do? Focus on my loans? Is the interest on my loans considered high? Is the Vanguard Roth IRA a good investment for me, and if so, should I be depositing the maximum 5,500yr? Are there better investments for me out there?All help and advice is appreciated!  <response>: Are you going to continue saving up money until you move for your job in July 2018? If yes, how much do you expect to save? The loans are not high...but not low. The Prime Detective flowchart would have you focus on those first before you look at any investments. Any investment you make will on average have a return of 6 but carry a risk that you will make nothing or even lose money. BUT...since you are moving in about 7 months I would recommend you have at least 6 months of expenses saved up before you do anything else with your money. Probably more because you will be moving and want to ensure you have all expenses covered for a bit when you make the move. Will you have to pay for car and cell phone bill then? Is the job going to give you the 4k relocation fee up front when you start in July 2018? 