Wow, first — congratulations. You’ve really managed to dig out of debt. And I want to post this as an inspiration to others. For sure, pay down your student loan debt before the interest eats you alive! And yes, max out your Roth IRA. And YES, you should have six months living expenses saved in a money market deposit account, just to feel secure. When you get to that point, PLEASE write me again and let me know! It will be a great story and I’d love to do a column (without revealing your name) so people will know it can be done!