<prompt> Human: Hey Reddit, I graduated last year and Im currently employed full time making roughly 3900 a month post taxes. After landing a job, I bought myself a new car and I have about 24k left to pay offone of my biggest regrets with 4.8 APR on a 72 month term.Parents were having financial difficulty, and since my credit was pretty good750 I got a 10k loan from lending club at a interest rate at 7.97 with 11.49APR on a 36month term.Lastly, my student loans are roughly 33k consisting of:5600 with 6.8 interest rate4600 with 4.666500 with 4.297600 with 3.768400 with 3.4After paying billsfood I have roughly 1800 to pay toward my loans. I was thinking about skipping saving for an emergency fund and pay off the lending club loan ASAP. I havent been to the ER since I was 5 years old, rarely get sick and I only go to the doctors for a yearly physicalbloodworkknocking on every wood I see.I really want to start investing in a roth IRA to start compound interest ASAP. My main question is should I open a roth IRA and invest anywhere between 30-50 a week in Vanguard index funds or should I pay off all debt first before investing? Or should I start maxing out my roth now since my returns should be higher than what im paying in interest right now.I currently have a 403b plan putting 4 since that is what my company matches. Should I contribute more than that?I also plan on moving out when my lease ends and find a roomate to lower rent at least by 400 in August. Any feedback is appreciated thanks!  <response>: you shouldnt invest a cent unless your employer matches, which you are, until every cent of all the debt is paid off 