<prompt> Human: Im 33 years old and single. I make about 180k per year, of that I take home about 7kmonth. ASSESTS:I currently have about 10k in cash.2 BMWs that are currently for sale, they should bring me about 35k once I sell them46k in a brokerage account at Fidelity-15k in SCHB 0.04 ER-4k in SCHD 0.07 ER-4k in SCHE 0.15 ER-10k in SCHF 0.09 ER-2k in DVY 0.40 ER-3k in COST-8k in WAGI have two 401k plans 2 jobs1: 27k in Vanguard Target Retirement 2045 not sure what ER is2: 185k in Jp Morgan 401k where I contribute:25 Target Retirement 2045 0.09 ER25 Samp;P 500 Index Fund 0.18 ER25 Russell Small Cap Completeness Index Fund 0.09 ER0 Bond Index Fund 0.10 ER25 International Stock Index Fund0.15ER0 Stable Value Fund 0.47 ER0 Bond Fund 0.23 ER0 Large Company Stock Fund0.39ER0 International Stock Fund 0.53 ER0 SmallMid-Size Company Stock Fund 0.68 ERLending Club:-approx 9k and currently getting 8 returnMAJOR LIABILITIES:Mortgage: 287k 4.875 fixed. Home is probably worth about that much. Payment is 2100month, I pay 2500monthStudent Loans: 86k 4.875Payment is 500month and I dont pay additional toward principleAuto Loan: 50k 1.99Payment is 900monthAm I doing this right? ANY advice or insight is much appreciated.Assistant: Ok ... youve got a lot of income, thats good.About 260k in brokerage based savings, also good.House is expensive but its an asset so no problem there.2 BMWs and a 50k auto note seem like a waste of money to me. Especially since BMWs are made of unobtainium parts and are such a pain when they break.I dont see a breakdown of your monthly expenses. How much goes to the brokerage savings? How much goes to misc bills and other spending? Are you maybe spending 900mo on bullshit like expensive night clubs or overpriced dinner every other night?Id try to aggressively pay off the student loans, since its a guaranteed return on your investment. The funds are nice and probably beat the rate on the loan right now, but theyre not a 100 sure thing.Human: Bimmers are for sale, Ill probably get about 35k for them.Monthly expenses are:Mortgage: 2100Car: 900 this is for a new car that replaced the two BMWs, so this isnt going away when theyre sold.Student Loan: 500Food: 500Utilities: 500Misc: 500When I put it on paper, I should have around 2k left each month... I dont. No idea where that goes. I dont really live an extravagant lifestyle so TIL to keep better track of where my money is actually going. I have been putting more toward the mortgage and paying the minimum on the student loans for two reasons, 1: I bought at the peak of the housing market in 2007 and am trying to get some equity and 2: I have been told that because of certain benefits with federal student loans e.g. Forgiveness upon death, that those should be paid off last if the interest is reasonable. Since the student loans and the mortgage are the exact same rate Ive been putting more toward the mortgage.  <response>: I dont really live an extravagant lifestyleReality check: You spend 900 a month on a car. You spend 2K on random crap you cant even name. Thats almost double what a full-time minimum wage worker makes in a month before taxes. Not saying you should live like you make minimum wage, but damn you dont realize how good you have it. 