<prompt> Human: Hello,I have been lurking this sub for a long time and feel I have a basic understanding of what I should be doing with my money. I am a 22 year old college student approaching my last semester of school and need advice on what to do with my earnings this upcoming semester.Here is a breakdown of my current situation:- 2,987 in checking account-1,000 in savings account- Part time internship making 18h working 18 hours a week, bring home about 530 every two weeks after taxes- Only real expenses are groceries and gas which total out to about 100 every two weeks.- Student loans are about 60k in a mix of private and federal loans.- Plan on living at home for at least a year after college to pay back as much as my loans as possible-Full time offer at my internship for 55kyear once I graduateI was wondering if it would be wise to start a Roth IRA and put money in every month this semester or to save up to pay my loans off for after I graduate. Thank you.  <response>: You cant afford to be investing. You need a job and you need an apartment. Once those things are settled, then you can lock down money in a Roth. It will still be there.Especially living with your parents, and with that big of a debt load, you need SAVINGS. You might need to get an apartment or move or it might be hard to find a job. Those things come first. 