<prompt> Human: I am 23 and just got a new job that I start in May. I will be making quite a lot of money; for context, my entire base cost of living in my town will be about 40 of my income.After 10 for charity and a flat 10 deposit in long term savings, what are some tips for dealing with a large increase in income?I currently live paycheck to paycheck with some debt 5k plus 30k student loans starting in June and am not used to having money left over after rent, gas, food, and charity. What may be my biggest challenge upon getting these bigger paychecks? And what good habits should I be sure to start right away?  <response>: 10 to charity while you still have 35,000 in loans? Dont do that. The only charity you should be donating to right now is yourself and start paying off those debts aggressively. Resume your philanthropic goals when you have more permanent financial security and greater disposable income. 