<prompt> Human: I have been unemployed for so long that i had lost every hope of finding a good job, but thankfully i am now working in an IT company and this is my first week there. My biggest concern is as i will be earning around 40k, i have already planned to spend that amount on many stuff most of them are not even fancy things. to give you an idea, just in past week i have already bought stuff that cost me 250 mostly junk food, t shirts, a bag and few other normal things. when i was unemployed i was good with my savings but with this job i feel like i have woken up a monster inside me. So, after seeing my credit bill i was thinking seriously about finding an aim to direct my earnings in a positive way. Another concern i have is that due to low income i was on obamacare and wasnt worried about paying anything in health insurance i havent visited a doctor in many years. now my company is offering me health insurance and i want to know what i should do or look into to choose which insurance should I get. About me Have no debt. Currently living with my parents. No kids. I am healthy, do have some dental issues ugh wisdom tooth. no drinking, smoking or any major unhealthy habit. I have my own transport toyota solara 2000 I am not thinking about buying a house as i am not sure i will be living in orlando for that long but some one suggest to invest in buying a land, so i am open to that idea too. my parents love to grow vegetables and stuff. Wants to pursue my Masters degree in future. I do wish that a cat could adopt me. MeowPower Any tips and suggestion is appreciated. Thank you for reading this far :  <response>: The best way is to set up an automatic withdrawal that goes straight to a savings account the day you get paid, so you never see that money. You never learn to waste it, and if you are in an emergency, it is there. 