<prompt> Human: I am currently 23 years old and have been a lurker here for a little while. Graduated college May of 2015 with a bunch of debt didnt know much about college and neither did my family which is why the debt and landed a job June 2015 making in total a little under 62K a year after phone allowance and vehicle allowance before taxes. I started to aggressively pay my loans off, but then purchased a 2015 Mazda 6 for 18.5K a couple months after starting work. This was because my previous car sort of broke down, was requiring a lot of repairs, the gas mileage was terrible and I feel wasnt cut out for as much as I needed to use it. I drive a lot because my city is big and I have to get around for work so I wanted something reliable. I sometimes think I shouldnt have bought a car at this price when I had over 50K in student loan debt, but I probably did it because I had just spent five years of my life being poorfrugal in college. Impulsive young decision and those sales guys know their work, but Im not struggling month to month and I doubled my gas mileage which is fun. nbsp;Monthly income after taxes: 4042.00 Rent plus bills: 750.00 Car payment: 375.00 - Owe 16,577.00 - 5.70 Private loans min payment: 385.97 Sal 1 - Owe 1,783.18 9.25 Sal 2 - Owe 9,004.41 8.75 Sal 3 - Owe 12,000.12 8.5 Sal 4 - Owe 2,937.98 5.75 Fed loans min payment: 249.17 - Owe 22,589 - Loans from 5.01 down to 4.41 CC - owe 85.44 - pay off every month Insurance - 157.99 Cell phone - 122.00 Spotify - 10.00 Audible - 16.00 Toll Roads - 80.00 Income after all min. payments - 1948 Checking - 1655.39 Savings - 626.03 nbsp;I try to keep a little buffer. My savings gets built through checking purchases at small increments so it seems like Im not even doing any work to build it. Not quite the 2 months of expenses but I prefer to put the money at the loans when available. nbsp;I have an excel spreadsheet I update showing all loans and bills and interest accrued so I can track progress, see what I owe in total and what interest Im eliminating. I accrue 347.78 in interest each month right now which is horrendous to look at, but that number used to be over 400 last summer so yay! Progress! nbsp;After paying off all of my bills I attempt to put an extra 1000 toward my highest interest loan sallie mae, but I find myself occasionally not being able to reach that when doing something like buying tires or going on vacation. Since starting my career last June I have managed to eliminate around 7K in student loan debt, and around 9.5K total debt. I currently have a roommate, but he doesnt clean and his stuff is all over the living room. His cat is also terribly annoying perpetual yowling, probably needs to be fixed and he wont do it, cat is super cute though. I told him Id re-lease with him again because I think it saves me around 300-350 a month, but I also can afford my own place which seems more appealing. Would this be a bad move? Im out of my apt. and with my SO a lot, but weve only been together since January and as much as Id love living there and saving super money, my gut says, whoa there, too early. nbsp; Should I just stick it out and live with roommate again instead of opting for my own place? I have no qualms other than the aforementioned annoyances. nbsp;Did I make a huge mistake with the car? I love it. I really do and I plan on driving it long after its paid off. Should I focus paying my car off to free up the 375 a month Im spending on it? Shifting focus to that tells me I can pay it off within the next two years and the total interest accrual difference wont be that much anyway with that aggressive of payments. nbsp;Eating out, drinking and going to concertsevents seems like my biggest flexible expense. I dont really want to live frugally because thats not for me. Ive been trying to purchase groceries and eat at home lately because its healthier and I save a lot, but it just seems so time consuming sometimes. I like to workout by runningbikingrock climbingskateboarding so not going to a gym helps out a bit, and I love playing videogames which can both be cheap and expensive at times. I should have my next sallie mae loan paid off hopefully mid June. I have my year review coming up and think work has gone really well. Ive gotten credentials though my company LEED AP BDC and hope that with my work will translate into a raise. Ill be able to start a 401K after this year review as well which I guess I should contribute to according to what Ive heard round these parts. nbsp;Im trying to budget out what I should spend on fun money and need a reference point. nbsp;rpersonalfinance - am I on the right track? I want to be debt free and will cry from happiness whenever that can happen.nbsp;Edit: havent really posted much my formatting on this was atrocious. This is also quite the wall of text so I apologize.  <response>: Refi your car loan and student loan. Those rates are too high. You need 6k in emergency fund 3mos expenses. 