<prompt> Human: Hi there! I was hoping for some tips, advice and comments on the good the bad the everything on my financial matters. Please note moving is NOT an option. I love this city and I am willing to make sacrifices to live here, hence the point of this post. Thanks in advance :Im considered below median income for this city I could qualify for lottery affordable housing but have never won an opportunity. Luckily enough when I moved here 4 years ago, I secured a studio for 1400 monthly and have been on rent control. People say I am super lucky for this!!! The studio is in the center of the city - 100 walking score! Yay! I have a fully paid off car which I use for work since I am in consulting and use it regularly to drive to clients. I pay 250 monthly for parking and I pay my insurance in full each year 1500. Unfortunately the parking is not in a secure area garage frequented by transients. Bills are 200 electricgasinternetphone. Im cancelling my gym membership embarrassed to share how much that was. I walk everywhere unless Im in an unsafe situation at which point Ill uberpool.Ive got 70k in student loan debt. Im not in a hurry to pay that because I honestly figure whats the point, Ill never be able to really pay it off and why should I? I have no credit card debt I pay it off in full each month when and if I use the card. And my credit score is somewhat good 700!I have a 401k so I add the same amount that my company matches 6. I think I also have a pension. I have no idea how the 401k is distributed because I dont understand how to make selections. I want to start another emergency fund but my company only allows for 2 direct deposits, which I already do for a checkingsavings account.I appreciate any advice, comments and thoughts! Edit 1: the approximate numbers by monthmonthly income - 3500monthly student loan - 400utilities - 200car insurance - 125car parking - 250foodfun - 400 groceries, transport and going outEdit 2: i also want to know about saving for retirement. I already have a 401k and pension. Do I need more? Im in the mindset that I want to enjoy life now, not when Im too old to walk, hike, jump, dive, party all night etc.  <response>: Your car is costing you 5000year, in a place where there is a walk score of 100 and you walk everyplace. Even if you visit clients, that sounds like a pretty high cost approach. Did you ever figure out your cost mile or per client for this car? You pay 15 after tax every day just to have it as an option.You describe ignorance and apathy on several matters of personal finance in just this one post. Thats not a criticism, just an observation. Is that something you want to change?You can easily start an emergency fund, and make automatic transfers to it every month with needing to change your work direct deposit. 