 become debt-free everything but your house three is to build an emergency fund on top of that thousand that is three to six months of expenses so I'm going to use any assets you've got that are not retirement including the stock to do that first and foremost so I'm paying off your student loan and your furniture loan today when you sell that stock and I'm going to use the rest of it to start building my emergency fund as fast as I possibly can and now that I don't have those two payments I should have a little more room in the budget to build that emergency fund quickly