<prompt> Human: Financial Specs:-Age: 22 -Bringing in 3,300 per month in income post-tax -Assets: 4600 cash, 170 stocks -Have approximately 45,000 in student loans, grace period -starts in December 2017 includes both PI -Rent is 290month 80 utilities -Misc. Spending 500month -Car: 140k miles, needs timing belt and tires replaced for approx. 1200 Have clients so a car is essential for my job -No credit card debt always pay off every month -How large should I let my emergency fund grow before I start making larger payments on my loans?  <response>: Well, if you need your car for work, fix it up ASAP. You have a decent income and you want to keep it at any costs right now, so fix it.I would advise 6 months because youre young and your employment history is probably short. If you lose your job, you might have to wait longer to pick up another. Though remember, you need 6 months for essentials. If youre out of income, you should stop spending on anything thats not essential. So take you debt payments student loans, car loan if you have one, bills, rent, and food and multiply by 6. Im not sure whats in your misc. spending, but it looks like youre pretty good to go already. Congrats!TL;DR - fix car, 6 months essentials in emergency savings, crush the loans while having an ample amount of fun, of course 