Blake
Region: US
Tuesday 09 December 2025 00:44:34 GMT
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Desi :
Don’t aggressively pay debt without building at least emergency savings first. Then return to it.
2025-12-09 12:33:00
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dylancarver964 :
Respectfully, this sounds like a budgeting issue. Your student loan payments should not be so aggressive that you dip into your savings just to live. Only pay extra what you can afford because savings are important. It sounds like you may need to reduce your expenses as well which will help justify those aggressive payments if you have more disposable income. Keep it up though!
2025-12-09 01:38:52
652
Belortuno :
Ooo yea. When I stopped eating out I was literally saving upward of $600/mo
2025-12-09 01:32:31
377
katietamola :
Fellow sensitive girlie in debt I appreciate you
2025-12-10 04:16:06
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Allison Dana :
I make 93K. I clear 4000 a month and between rent, student loans, debt and just the cost of living. I’m living paycheck to paycheck as well and it’s not like I’m living in a 3K a month apartment. My rent is under $2000 like it’s insane how much everything costs.
2026-01-29 00:55:54
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Kelley :
Since your income is from 2 jobs, I’d be trying to budget my living expenses based off just one of them, then divide the other income equally among student loans, retirement, and savings. This way if something happens to either job you are still living within your means and have a savings cushion!
2025-12-15 04:50:31
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St. Jean :
As someone who also did this in her 20s. Make sure you’re maxing out your Roth IRA each year even if it takes longer to pay off student loans. That is my only regret
2025-12-09 13:56:45
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Chase Weatherbee :
as far as the student loans go, rather than throwing as much as you can at all of it, pay your minimum and then focus on each individual loan. find the loan with the highest interest rate and if you want to make an extra payment that month, put it towards that specific loan.
2025-12-09 04:15:40
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Mrs.October :
I’m 46 and I still have student loans and don’t care about it. But I have 30k in savings and make six figs. Work on your savings and less on your student loans.
2025-12-09 17:53:38
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gray :
Restructuring your budget is a great idea but be easier on yourself. Its not like you are spending all your money on shopping sprees and non necessity items
2025-12-09 02:17:02
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jeffreyharrison780 :
congratulations 🎊 on taking your student loans debt seriously so refreshing
2025-12-09 16:13:51
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dreasoconceited :
You should definitely hold off on those student loans and build a high yield savings account and then go back to paying those student loans
2025-12-09 04:52:46
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user8262846283728 :
Pay student loan minimums. Then add slightly more budget to where you feel spread thin. Divide the rest between a HYSA and a brokerage.
2025-12-09 18:18:10
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triggerwarniing :
Recession indictator
2025-12-09 04:24:48
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Banjo23 :
“Please don’t call me out on anything” 🤣🤣🤣🤣🤣
2025-12-10 13:49:05
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itsemilysophiaa :
I think this depends what your interest rate on the loans are to know if it would benefit to aggressively pay off or wait
2025-12-09 03:50:25
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Sadie Wolf :
depending on the interest rate on your student loans, deprioritize them! opportunity cost baby. if they’re federal loans at ~3%, your money would be better used investing in the market where you could be earning ~10% on avwrage.
2025-12-09 13:25:29
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Belortuno :
Honestly, I know it might be hard but consider finding a cheaper place to live. Like if your rent is 2000+ you might have to get a roommate again or rent a room somewhere. Finding a room under 1000 is key
2025-12-09 01:30:57
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h :
Move to a cheaper area
2025-12-09 03:43:24
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Kristen Marie 🇺🇸🇺🇸🇺🇸🇺🇸 :
What you’re talking about is not living paycheck to paycheck. People who actually live paycheck to paycheck only have enough money to cover their bills, not pay in enormous amount above and beyond that.
2025-12-12 05:27:41
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Leslie Jones :
You will feel so much better having savings. Make sure it’s in a HYSA. The student loans will be there, you can always pay an extra $1000 here or there if you want to make more progress. Leave room in your budget for fun and convenience. You work two jobs, it’s ok to order food every so often or choose a more expensive ready made meal. Also if you haven’t cycled through all the meal kit services yet, that’s a great way to save on groceries when they all have deals. Pick one, use it till the discount runs out, swap to another.
2025-12-09 04:10:15
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natsindallas :
first off – congratulations on paying off so much!! That is seriously such an accomplishment and obviously very hard to do. What it sounds like to me, is you should definitely do an audit of your spending and where your money is going for sure, remove all of the things that you don’t need like the subscriptions and the workout classes, and then maybe look into replacing all of the stuff you’re getting rid of with something that she would find joy in and that you look forward to doing. So for example, even though you’re putting yourself on a stricter budget when it comes to things to do, going out to eat, extra spending money – at least you have this one other thing that you can guilt free do for yourself!
2025-12-09 01:41:47
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JW :
This sounds temporary. As soon as your student loans are paid off you will have so much freedom. It’s amazing you have paid off so much. Food is a killer for me. When I don’t plan I spend so much more at the grocery store, and eating out is brutal. Not going to tell you what to do, but I would live lean to knock out those student loans sooner than later.
2025-12-09 08:07:10
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Jacqueline :
But the maximum amount you can in an IRA each year, save 10% of paycheck to give yourself a little less egg. Then start investing. Interest rates really kill people so getting that much debt off I think will definitely help you in the long run. But now you need to budget, save, live, but don’t ignore the debt!
2025-12-09 05:42:29
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anna 💌 :
girl you are doing great and you are not alone at all… saving in 2025 is pretty much impossible 54–70% of Gen Z income goes to fixed costs 72% of us have irregular income $300–$600/yr lost to fees + forgotten subs Student debt up 317% since 1990
2025-12-09 03:05:20
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