<prompt> Human: Im a fairly recent college grad and I have started to really focus on getting out of debt. I have 26,000 4.5 Avg interest left to pay in Student loans and a 19,000 2 interest auto loan. My car note is 389 monthly and my Student loans are 313 month, but I have been paying the student loans off more aggressively at 450month since this year started. As it stands right now, both of these loans will be paid off in about 5 years. I have been thinking about just paying the minimum amount for the student loans, and then throwing like 600month at the auto loan to pay it off in 3 years. Once the auto loan has been paid off I would then begin to pay my Student loans at a clip of about 900month to pay those off asap. Is this a sound strategy or should I just continue to do what I have been doing? Background info:I make 60K a year, and I still live with my mom. I only pay utilities, which usually amounts to about 400month. Other expenses are listed below:Cell Phone 90Car Insurance 130Savings 600Gas 100Food Groceries fast food 240 Assistant: Many ways to look at this and the path you choose depends on your priorities. For pure dollar impact, pay off the higher interest loan first. The car loan, however, is the only one with collateral that can be taken away if you default due to unexpected hardship. Pay it off, and be secure that it wont be towed if an emergency ends your ability to pay. If thats truly all the debt you have, dont worry about retirement savings until youre debt free. Human: While I agree with most of what you are saying, I would say that if his company has a retirement match, to put at least some money into that. His loans arent that large and his interest rates are favorable. That plus his salary, he has a lot of room to start saving for retirement.Assistant: I agree. Always take the match. Human: I actually havent been paying into 401K. My company matches up to 3.5, but I told myself I wont start it up until I move out, which I plan to do next summer. I have been saving 300 per check for my rainy day move out fund. Assistant: Thats a 3.5 pay raise for the hassle of filling out a form. Human: I know, but Im only 24 and I feel like the money means more to me now than it will when Id be old enough to take it out without penalty.  <response>: Max the match. Leaving money on the table just because there are restrictions on spending it for a while is not a wise move. 