From a design point of view 1 . It needs more white space , so elements are more grouped and breathe within a page . Especially the top banner . So , do bigger padding around the logo , the heading , and the ' Join the waiting list group . The same applies to illustrations and body copy 2 . Might want make the text a bit smaller , and the line height a bit bigger , so it looks more elegant 3 . Also , ' Email ' to Join in the bottom to me , it doesn ' t look like a form , but more ike a single word hanging alone on the page . <| sep |> I would personally grow the savings amount before getting aggressive with the loans . Those are pretty good rates and allow you a bit of leeway . Step 1 Bigger emergency fundStep 2 Pay off loans .