Hi all,

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I'm in my late 20's and I'm currently working at an accounting firm and have my CPA. I plan on moving out into an apartment around the spring/summer timeframe. I'm currently in a dilemma as to whether or not my best course of action should be to pay off my student loans, or to begin investing. My student loan total is around $23k with most of my loans between 3.6-4.4% with the majority at 3.6%. I'm in a pickle as to whether or not I should continue to drop large sums of money on my student loans, or if I should start a VSTAX account today with the money I currently have and then save and pay off the rest of my student loan debt.

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Cash: $9k

Savings: $3k

Student loans: $23k (minimum payment $340/month. I started out with $36k May 2017)

Approx. Rent per month: $700-800 (will kick in around spring/summer)

Car payment: $332 (roughly 36 months left)

Insurance: $120

Gym membership: $32

Monthly income gross: $5000

401k: 7% per paycheck twice a month

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Please let me know some thoughts as to how I should approach my situation.

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