<prompt> Human: Hey everyone,I am a recent college graduate. I graduated in May with my Bachelors and it took me 7 months to find a job. I have just went from 8.71 an hour or 14k last year to 47,334 a year Just started work less than a month ago for 47,334 a year gross. I have 15k in student loans. After expenses which are rent, water, electric, cable, internet, loan payment, insurance and roughly 500 for food per month. My expenses come to 1826So some math here with a take-home-pay calculator with 47334 after federal taxes and my federal allowance of 1, and no state taxes florida being paid bi-weekly. I will take home 37903.58 minus my monthly expenses x 12 21912 I am left with 15991.58 or 1332 cash flow per month. I am wondering what now? I have less than 1k in my bank account so no emergency fund. My employer does not offer retirement. Do I save up 8 month emergency fund which would be around 18 months, before I do anything else? Do I tackle student loans which would take a year to pay off to save on interest? Then go to investments and IRA? Thanks for any help. I am new to this reddit and to the real world. I have been lurking and have a lot to gain from this subreddit. I am very interested in input.  <response>: There are going to be far more detailed comments than I can supply, but at the very least get a 3-6 month emergency fund before anything else. 