Ephraim Foster

Given only two months of cushion and an iffy job outlook, I’d put most of the $400 toward building the emergency fund to at least 4–6 months and keep the loans at minimums for now. Extra principal won’t lower your mortgage underwriting payment or DTI unless you fully eliminate a loan so after the EF is topped up, direct the full $400 to a dedicated down payment/closing costs bucket. If it helps motivation, you could still send a small fixed amount (like $50–$100) to the highest-rate loan and but liquidity will matter most over the next two years.

Hot take, let your school's free OneDrive be the mothership. Turn on camera upload in the mobile app, sync that Photos folder on the laptop, run dupeGuru once to vaporize clones, and let Microsoft Photos handle People and Places tagging. I dump screenshots into a separate folder with an auto rule so I can purge them when the ramen timer dings. Backup is OneDrive plus a cheap USB drive I plug in monthly and move on.

No apps and no programs. Pick three moves, set a kitchen timer for eight minutes, cycle them until the buzzer. Keep a cheap notebook and add one rep next week.