Uh, well it's the same advice I'd give somebody now: 1. Max out employer's 401k match. 2. Build emergency fund to 3-4 months expenses 3. Max out Roth IRA 4. P

Uh, well it's the same advice I'd give somebody now: 1. Max out employer's 401k match. 2. Build emergency fund to 3-4 months expenses 3. Max out Roth IRA 4. Pay off low interest loans (if you have high-interest loans, which I don't/haven't then this becomes #1 and pay them off first).