<prompt> Human: Hi PFAbout Me: Im 23 and recently graduated college back in December and is currently working full time. To save money and help pay off some of my student loans, I am living with my parents until the end of the year.Debts: 25000 in loans after graduation. I paid of a good amount the past couple of months. Currently it is sitting at 15000. 6,837.83 - 3.15 3,925.86 - 4.25 4,262.45 - 5.35Monthly Revenue: 3000 per month post tax401khealthMonthly Expenses: Student Loans - 500 Restaurants Food: 150 Auto: 150 Usually gets this amount reimbursed Other Spending - 500 Includes Groceries, Home Improvement items for parents, Gifts Additional Details: 401k: Currently contributing 10. Employer matches 25 of the first 6. Really thinking about decreasing contributions back to 6. Roth IRA Vanguard Target Fund: Have already contributed 5500 for the tax year. Emergency Fund: Good to go!Questions:I essentially have a 1500 every month to save. What in the world should I do with this? I dont want to put it in my savings account and let it rot. I was thinking putting the money into one of the two options below. VTSMX VTIAny ideas? Any Recommendations? VTSMX or VTI? Maybe something else?  <response>: Love me some vanguard index funds however, I would pay down student loans fasterand or start saving for housecondo whatever. 