$38k in loans, $5k for emergency savings, $50/paycheck in HSA for lasik, 401k just to match employer. Being aggressive with student loans (paid off 9k in 5 months) and living at home. Any advice?

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You’re killing it, can’t really offer anything else, but keep it up!!!

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Thank you! Having the loans loom over me just makes me anxious and I’m trying to pay them off ASAP. The goal is 3 years but 4-5 years to be realistic

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Just keep on going, once the debt is gone, then roll that money into some savings vehicle - that’s the key, don’t ever stop paying the debt, just change where that money goes and start making it pay you!!!

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Think you’re doing well. Kudos! Keep at it

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Work hard, get promoted, double your salary...

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For more info - recent grad out of college with $60k salary. HCOL area but being at home hasn’t made it an issue. Since my parents couldn’t pay for my tuition I don’t have many bills to worry about just my loans. Just want advice if I should open a Roth IRA/should I be doing anything with my emergency savings/any general advice. Thank you

I use Citi and get 1.9% currently.

Recommend using a HCFSA for near-term medical expenses and then use the HSA for long-term investment (triple tax advantage). Over the next 18 months, work on building up your rainy day fund

Also put all your 401(k) contributions into Roth if possible through your plan. If not, then can do that later through a back door.

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