What’s the smartest thing to do with my money?

What’s the smartest thing to do with my money? I’m a 37 y/o F. I make $120,000. My apartment is $1275/mo. My only debt is student loan debt. I currently pay $630 monthly (down to $53k remaining) with a 5.3% interest rate. I am paying over the minimum. I have a state pension and 403b. In addition to my retirement savings, I have 20k in a savings account. My financial goals include paying off...

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