<prompt> Human: Hey guys! First Reddit post ever so be easy.As the title says, I 23m have 30k in savings with about 27k in student loans at 4.2 and approximately another 6500 left on the car at 5.5. Currently living with the folks in FL and making about 45k per year. Ive also decided to start taking classes again have degree but am changing focus. My student loans are in deferment but I am still putting 200 per month towards them for safe measure. Nothing in retirement as of yet and am wondering what the best course of action is.Im thinking about paying off the rest of the car immediately and chipping heavily away at the student loans in 5k monthly installments while opening an IRA.Thoughts??  <response>: 1. Immediately pay off the car loan. 2. Add the payments you were making on the car to the amount you are paying on the student loans. I guess you were paying circa 220mth on the car, so you now have 420mth to pay down the student loans.3. Open a Roth IRA with Schwab, Fidelity, or Vanguard. Contribute 5,500 for 2017 you can do this until tax day in April, and 5,500 for 2018.4. Your savings account is now down to 12,500, which is enough for an emergency fund.5. Contribute enough to your 401k to at least max the employers match if any, or, if there is none, enough to bring your 2018 contributions to Retirement accounts, including the 5,500 you have just contributed to a Roth IRA, up to 15 of your salary.6. If you have money for savings left over which I guess you will, since you have managed to save up 30k use those to either pay for the education you are planning, or to pay down your existing student loans further.Good luck. 