<human>: Hey everyone,

I apologize for formatting, I'm trying to fix it but please read on!

I graduated college a few months ago (I'm 22) and am currently making $60k a year before tax. My employer offers a 401k in which they match 50% of my contributions up to 6%. I would love to take advantage of that, but want to save for other things as well (see below). My expenses and debts are as follows:

Expenses:
* Rent- $1100 (Bay Area so no way it's getting much cheaper)

* All Utilities- $50

* Cell Phone- $0 (Paid by company)

* Gas- $100

* Groceries- $200

* Entertainment- $75

* Airline tickets- $125 (long distance)

* Miscellaneous- $30

TOTAL~ $1680

Debts:

* Student Loan (4.1%) $15,000 (Need to determine how much I should pay per month)

* No credit card or car payment or anything else.

So I'm looking to propose to my girlfriend in the next 6-9 months and want to know how to save for a ring, pay off my student loans, and contribute to my 401k (or even start a Roth IRA because I have been reading good things about them). My girlfriend and I are looking at rings in the $6k-$8.5k range and I already have $3k saved up. We have looked at Moissanite and although she's somewhat "ok" with it I want her to love her ring since she doesn't wear jewelry much and she'll wear this forever. Is there a way to accelerate my savings as opposed to just keeping it in a savings account and earning $.02 a year from interest?? Also it seems a lot of people on this subreddit love Vanguard/Fidelity and I would love to know if you think my situation warrants me putting my money into some of their funds. 

Basically any help would be great as I have been a longtime lurker and have learned so much by reading other people's situations.

Thanks!!

Give me the gist of the text in a nutshell
<bot>: Just graduted, have some short term and long term goals. What should I do with excess money not used for my expenses (IRA, 401k, Roth IRA, Savings, Mutual Funds, etc)?