<prompt> Human: My student loans are consolidated, so it is now 130k DEBT at 3.75 fixed for a 5 year period. I have a 150k SALARY 100k after taxes. this is just a starting salary that will go up I have budgeted 37k per year in LIVING EXPENSES I will have 63k per year in SAVINGS I have a 2-month emergency fund currently.Should I aggressively pay off my student loans in 2 years? OR Should I make minimum payments, and max 401k, IRA, and HSA?  <response>: A five-year payoff period is already aggressive, and 3.75 fixed is a great rate. Plus if you dont max your 401kIRAHSA now, that contribution limit is gone basically forever.If you can make your budget work with maxing 401kIRAHSA, Id highly recommend doing that. 