<prompt> Human: A bit of context- Im 23, been at my job for a year and a half, salary around 65k. I just got a raise and adjusted my 401k percent contribution so my take home pay is the same. Im now contributing 10, always put in at least 6 to get the full employer match. I have 2 months of living expenses, or around 1400, in emergency savings.This week I discovered that by moving in with my boyfriend and getting my tax return back Ill be able to pay off my student loans in June instead of an October to December timeframe 6k left out of 21k. This goal has been driving me for a while. So my question is, what now?I know I want a Roth IRA, which takes 1000 to open, but then what? Im worried that without a clear goal in going to end up spending too much money; the idea of just saving aimlessly doesnt really work for me. What kind of concrete goals could I set to keep myself in track?  <response>: Id suggest bulking up your emergency saving closer to 3-6 months of expenses. The last thing you want to do is have to borrow from a retirement account to pay for an emergency. Give yourself some more wiggle room. With your salary and monthly expenses youll have plenty of money to do this quickly and not get too far behind on saving for retirement. You are young enough that if you plan this right you could very easily become a millionaire before retirement age. 