Re: Savings less than 10k
I don't know how old you are, but if you're young then it's normal to not have much saved IMO. Once you pay something off, like your student loan debt, you don't replace it with another loan. Or if you pay off your car loan, you don't run out and get a new car (& new loan). You take some of that money that you were paying on your loan to pay down another debt & to pay into savings.
Also, take a look at where you live. Do you live in a place that has a high cost of living? If so, then you may want to consider moving elsewhere. Your money can go a lot further somewhere that doesn't have a high cost of living.