I PM'd this but thought it was good general info: 45k is very good, shit I was only making 37k when I was your age and that was only 3 years ago in a better economy. I've posted this before but you should ALWAYS max out your HSA (you do mean HSA as in the one for a high deductible health plan that rolls over year to year that you keep even if you leave the company right?) which is $3,050 this year. It's literally tax free money if you use it for medical expenses and you can withdraw it penalty free after retirement for any reason, either way it's FICA tax deductible, 401k isn't. Maxing your HSA should be your number 1 investment priority if you're in a high deductible health plan, above 401k. The only other thing I can say is that there are probably monthly expenses that fly under your radar you could live without. Do you have premium movie channels? Do you go out to eat at a sit down restaurant more than once a month? Do you drop 50 bucks at the bar every Friday after work? Do you order a $10 lunch every day instead of packing one or going somewhere cheap for less than $5? Could you live in a smaller apartment for say $100/month cheaper? I wish I could help you on the loans question, but I'm not really sure. Oh, and your Avatar freaks me the fuck out.