$2K/mo for allowance/fun is a lot especially when you have $54K of debt, even if they’re low-interest debts. You’re essentially borrowing at 1.49 to 3.49% each year for fun money by just keeping those loans around to spend 10% of your take home every month.

At your income level there’s no reason why you cannot max out your 401K and IRA unless you’re paying off high-interest debts or saving for a big purchase.