Anytime you get in a windfall of cash, use it to pay down debt rather than buying a present for yourself. This includes tax returns, bonuses at work and, yes, your increased salary from finding and taking a better job. Most people, when they get a better, higher paying job, will crank up spending and debt. Be smart, use the extra cash flow to reduce and then eliminate your debt. Once you get all of that debt out of the way, take all of the money that you have been spending on loan replacement and put it into a high-yield retirement account each month.