<prompt> Human: Hey PFLurked on here for the past year or so but need some personal advice. I recently graduated from school this past December, with a degree in Civil Engineering. I got a job in Denver-metro area and start next month. Job pays 72k a year. Im going to live at home with my parents till next year, around January or February. I have about 100k of debt in loans. Ive read a lot of PF and am starting a budget. However, I still have a few questions that you guys can help me out with.1 Im trying to kill as much of my loans as possible when living at home. I have no expenses living at home so Im thinking that I can kill 50k of debt by the time I move out. Im really determined to do so. Also, my parents are helping me out and paying 1k of my loans for each month for the next 3 years. Whats my best strategy to go about paying these off? If or when should I refinance my loans? My loans range from 6-8 interest with one at 10. What companies are best to do this with, I was looking at Sofi.2 My company does full 401k match up to 4 then half a percent up to 8. Should I stop contributions to 401k until I pay off a large chunk of loans, like Dave Ramsey suggests?3 How much should I have saved for when I move out next year? Probably going to get an apartment closer to Denver, where rent is 1-1.5k. Could find places around 800 too if I get a roommate.4 I need to start building credit, whats a good credit card to start? I was thinking something along the lines of chase freedom.5 Should I have an emergency fund fully saved by the time I move out?Any advice is appreciated! Assistant: Start contributing to your 401k at 8 immediately. While your interest rates outpace the average market return, considering your money is immediately matched you get an instant 100 return on your investment and 50 for the remaining 4. Especially given that you are living at home with no expenses, do this first, you will thank yourself down the line.I would definitely refinance your loans when able, but I did not do that personally, so I cant provide honest advice about best places to do so. My student loan interest rates were in the 3.5-4.5 rate so there should be some room for you to negotiate a better rate, especially with your income.Use nerd wallet to evaluate what credit card is right for you travel vs cash rewards, etc. Obviously treat this like your debit card and pay it off every day as opposed to waiting until the end of the month.It would be ideal to have an emergency fund when you move out, but if you are living in the same town as your family, you may be able to get by with a smaller amount for the time being. Based on your situation, I would recommend shooting for around 5-7k of a fund. If you want to be aggressive with it you can use that money in a stable stock or fund so it can grow while you sit on it. If an emergency happens, you can sell if needed.Human: Ok great, Ill contribute to it fully then. I will look at my options to refinance, most places seem to like to have 6 months of employment before they consider you so Ill wait. Never heard of nerd wallet so Ill check that outAnd sounds good. I will be living about 30-40 minutes from parents. I was thinking around 5k too, so I think Ill go the aggressive route that I can liquidate if I need it  <response>: A credit card that I used starting out was the fidelity rewards visa card. No annual fee and 2 cash back on everything. I routed the rewards to a roth IRA so I didnt have the chance to spend it. If you fly a lot for family or other reasons, it may be worth considering other travel cards. 