<prompt> Human: Long story short, I am a college student with a decent job, and work is offering me a 50 pay increase for some extra hours each week, which I am more than capable of doing. Still in the process, but I am mostly thinking about what I would do with the money. Currently about 20 of my check is saved every paycheck, I have a set minimum current 2 total paychecks worth of pay in my savings. The rest goes towards cellphone, gas, food, trips, vacations, electronics etc. I still live at home and still have a student loan which I am paying interest on. I am making about twice as much as I was making 2 years ago, but I quickly adjusted to the new income. Taking in 50 more money is fairly substantial but I am trying to avoid getting used to the extra money. So without making any changes to my lifestyle I want to start either investing the money, paying down my student loans, or saving for retirement, or a combination of those three. What would be the most ideal path understanding my situation? Thanks for the help.  <response>: Whats the interest rate on your student debt? Your best bet is likely paying that down, andor doing a Roth IRA at Vanguard plus any retirement contributions to get the match at work. You really have to figure out your goals - you dont want to live at home forever, and being independent costs money, so maybe thats a goal. 