Where Should I Allocate My Money?

31 years old

$126500 salary

$850 rent

Assets:

$10000 checking

$16700 savings account with 3.65% APY

$11500 stocks/ETFs

$20500 Roth IRA

$40000 Traditional IRA

Debt:

$17500 car loan @ 5.34%

$26000 student loans @ about a 4% average

I know I have been bad about saving for retirement. I just get scared loving away money till I’m 65 when I still have loans to pay off. What should I attack first?