<prompt> Human: I recently graduated and began a 100k job in the Bay Area, where Im fortunate enough to live with my parents in San Jose. Every month I take home between 4-5k after taxes and other payroll deductions like retirement, and may earn more at the end of each year depending on stock grants and bonuses.I have 30k student loans and 10k car loan, for which I pay around 900month. Aside from that I dont really have many monthly expenses250-300month on food, gas, going out, and Amazon purchases. Though Ill most likely spend a few thousand yearly on traveling or toys.Im earning a lot more than I spend so I was wondering what else I could do with the rest of the money other than letting it sit in my BofA savings account for 5 interest every year. These are some of my ideas: Renting anything is financially inferior to living at home, but my commute is 30-40 minutes each way with traffic and I may want to move closer to work on the peninsula, even though housing is expensive there. Stocks? Put more in retirement? Find and join a credit union with high interest rate? Pay off loans faster? Interest rates are 4-5. But building credit. Do I wanna buy a house to live in and build equity? House prices here are only going up in the long term, but theyre already too high in most of the Bay Area, where 1m is a lower bound.  <response>: Pay off your loans with your extra money. 