<prompt> Human: Im few years from 30 and get anxious every time I think about student loans, or trying to reach long-term goals like retirement. My current situation is: 55kyr income bonus last year was 62k 80k in student loans 4.44 interest. Paying 600mo. 14k in a 401k, putting in 14 4 company match 1.2k IRA from a previous job 11k cash which covers about 6 months of expenses Car worth 13,250 owned outrightBudget breaks down as 2600 net after retirement, 600 to loans, 850 to rent utils, 175 groceries, 175 gas, 430 set aside for expenses insurance, car repairs, 150-200 for entertainmentamazon and about 200 each month into savings.At my current rate my loans will be paid off in 2031 which drives me nuts, but I dont want to give up on saving for retirement. And Id like to buy a house in the next 2-3 years, but have basically no money for a down payment or closing costs. Ive been trying to figure out how to make an extra 250-500mo to put to loans rather than cut costs and live like a hermit. I feel like 200mo is a lot to blow on eating out and random purchases, but it goes pretty easily as soon as I spend 40 on dry cleaning or a video game. Do I worry more than I need to?  <response>: Id probably tilt the savings a little more toward paying down the loans and less toward the 401k if youve already got the match at work, but its a personal decision. I wouldnt worry, youre doing fine financially. 