<prompt> Human: 27 years old. Married with one child. 3510month take home pay. 145k mortgage - 1320month includes tax and ins. 4.5 48k equity 26k student loan - 200month 6.25 37k student loan - 365month 7.5 27k cash savings 90k 401k savingsMy wife just quit her job to stay home with our 3 month old daughter, so Im not sure how the new money situation is going to be. She only made 30k a year, so its not going to hit us hard. We have been living on my salary only since September of last year, and it hasnt been difficult at all.I have been saving up to pay off the 26k student loan. I didnt want to pay it off in pieces, due to having the baby recently, and I didnt know how those costs were going to be. Now that weve maxed out our deductible, Im comfortable with paying this loan off, but that would put our emergency fund down to 0. Last year, I paid off 27k in student loans and would love to blow this one away as well. I dont feel comfortable doing that just yet.My question is, what should I do with the 27k until I have enough built up to have a 10k-15K safety net? i.e. I dont want to pay it off til November or so. Or do I just wait til I have saved enough to pay off the 37k loan plus emergency fund another year or so from now?Assistant: Pay the loans off as quickly as you can, and then aggressively save for your emergency fund. It may feel uncomfortable, but its exactly what Id do in your shoes.Human: I mean, I could pay off the loan today, but that would leave me with about 400 dollars in savings. Thats a bit scary to me with a 3 month old daughter.  <response>: Yeah, I wouldnt wipe out the emergency fund, especially with only one income and a newborn baby. Youre right to want to keep a safety net, but anything beyond the safety net can go towards the loans right now, then just pay as much as you can each month going forward. 