<prompt> Human: I am going to be a college senior. After graduation I will have at least 55k in debt as I have had to take out the maximum in gov loans every single year. I have had several jobs in the past few years and have pretty much been saving every thing I can. My saving just arent accumulating very fast. By the end of the summer I will only have about 5k, which is much more than some, but in my case puts my net worth about -50k. Im not really one to care about net worths and stuff, but I would gladly take a 0 net worth over my current situation. But back to my question, I just want to know how I can increase my finances quicker than my current 5k in 3 years. Ive thought about investing but I dont even know where to start. Assistant: Im surprised youre saving anything. Every single dollar Ive made in college minus expenses was dumped back into tuition to try to keep my loans as low as possible. I wouldnt try to save until after you graduate and start a career.Human: I though about doing that but I just dont see that as a practical solution. Lets say I hit a pot hole in the road and destroy my suspension on my car. It cost nearly 1000 to fix. I couldnt pay for it if i didnt have my savings. Id rather take out the loans now and pay back later than be in an economic bind in the case of an emergency.  <response>: Emergency fund FTW. This is a smart move in my opinion. 