<prompt> Human: Im 23 living at my parents, and Ive been leaving all the extra income I have into my savings account. Right now i have like 1 years worth of salary in there, but it is earning like a penny of interest a year . Ive upped my student loan payments to 500 a month. But I still earn a few hundred a month that is not currently in use. I have a Vanguard Target Retirement 2060 Fund I put money in since I work for a small company with no 401k. On top of putting money into there would it be wise to put all my extra money I earn monthly into my 2 Vanguard funds I have? They are Vanguard Growth Index Fund Investor Shares, and Vanguard Total Stock Market Index Fund Investor Shares I dont have any huge purchases on the horizon for now, except I plan on moving out soon so Ill have rent, food, etc. soonThanks for any input  <response>: Pay off all your debts, then build back up a 6 month emergency fund that includes what the average rent would be of an apartment you would live in if you didnt live at home. And dont forget to have some fun too. Being prepared is great, but theres nothing wrong with spending a little enjoying your young life. 