conversation: User (throwaway_4_love): "Hi all!\n\nI had trouble finding threads of people in my scenario as a new grad with a great job but lots and lots of debt. I have about 120k in student loans to pay off (4 20/30kish loans at 7%ish and a few smaller 5k ones). I'll have a great base salary (112k), and hopefully will get the expected bonus/stock stuff (usually brings it up to 150-160 is what I hear). My parents offered to help, but they are desperate to retire and always complain about money so I wanted to take it all on myself.\n\nI know I have to also budget for an emergency fund, but how do I prioritize saving for that while having to pay off my student loans? I am also moving to NYC so cost of living won't be so forgiving either (advice about this would be awesome too...), I'm expecting to pay atleast 1400-1800 a month in rent if I want to be in manhattan.\n\nI am aware of the saving flow charts and 401k stuff, but what would you do if you were in my situation if you wanted to maximize long term savings and navigate loans? Thanks!!\n\n**tl;dr: 120k in student loans, 112k starting base salary, moving to nyc. What would your gameplan be?**"
  Self: "Did you mean 1400-1600 rent with roommates at Manhattan? "
  User (throwaway_4_love): "Yes, those are the rates i'm finding for monthly rent. I'm expecting living expenses, food, fun, etc. to cost me much more tho"
  