conversation: User (Techfuture2): "I have read the wiki and the age appropriate guides, and I follow this sub closely. I was hoping for some specific advice from you guys. Thank you in advance. I can provide any other info needed. \n\nI am the first person in my family to have stable income. I have no one in my personal life to ask about this stuff.\n\nI would like advice on where my money should be going. Should I be paying extra on student loans to pay them off by 2020 to be free? Should I be putting that money into savings instead? Should I be investing that into a ROTH IRA to max it out?\n\n**Current Situation:**\n\n*Yearly Income:* $63,000 \n\n* *Take Home (monthly):* $3,560\n* *401K:* 7% (4.5% matched)\n* *Roth IRA:* $200 (just started Jan 2017)\n* *Savings:* $5,200\n* *Checking:* $500\n* *Credit Card Debt:* 0 (paid off monthly)\n* *Car:* $340.5 monthly (0% interest)\n* *Rent:* $700\n* *Monthly Utilities:* ~$170\n\n*Student Loans:*\n\n* *Great Lakes:* $26,900 (4.5% average interest)\n* *ACS:* $2,500 (5% interest)\n\nI currently pay $600 extra a month towards the higher interest rate (6%) student loans. Is that the best way to use my money? I try to save $400 a month into a savings account. That leaves not a lot to go towards a ROTH IRA. \n\nAdmittedly, I overspent last year in other areas (eating out, etc). I am working to cut that way back this year and save/invest/pay off more. \n"
  Self: "You may find these links helpful:\n\n- [Student Loans wiki page](http://www.reddit.com/r/personalfinance/wiki/studentloans)\n- ["How to handle $"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n- [What's the best way to pay down my debt?](http://www.reddit.com/r/personalfinance/wiki/debt#wiki_what.27s_the_best_way_to_pay_down_my_debt.3F)\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  