Have you heard of Dave Ramsey? Check out the link there I put over his name. He teaches sound financial advice. Save a $1000 emergency fund, then start paying off debt. At that rate you'll have your student loan paid off soon. Do the max that your work will match on retirement (i.e. 3% or whatever). Then, start investing more for retirement. When the debt is paid off, though, you can start living more freely...he has it all planned out in his book. It has great words to live by, and you could be debt free in a year or so, by the sound of it! Wow! You're in a great position! WTG!