<prompt> Human: 22yo just graduated university, working in California. I started in August, and spent my first couple of months treating myself with some big-ticket items. But now that its January, Im hunkering down and taking complete control of my finances.Here are the details:Housing: Living at homeIncome:40k Salarytake home about 2400 a month after taxesExpensesMonth - Currently 940:300 - Mom Single parent, so I help her out with paying the mortgage, etc305 - Federal Student Loans 10-year repayment135 - Public Transportation100 - PhoneInternet bill I split with my brother100 - Various things my mom asks me to help with poor relatives overseas, etc.SavingsMonth - Currently 4,072:800 - goal for saving each monthDebt:755 Credit Score on Credit Karma13,000 combined credit limit over 3 credit cards, no late payments880 - Credit Card Debt26,944 - Student LoansCompany Benefits75 - company reimbursement for transportationMedical insurance covered by companyCatered lunch and fully-stocked kitchen every dayThat leaves me about 660 each month to spend on myself. Im fairly confident that my spending spree is over especially after the holidays, so I believe I can stick to that for fun money.Questions: 1. How does my budget look?2. How much in savings should I have when I move out?3. How much should I set aside for company-matching 401k?4. Should I contribute to my contributory Roth IRA with Charles Schwab?5. I get paid 1200 on the 15th and last day of each month, and my credit cards are due on the 28th. Whats the best way to split my budget when I get those paychecks?For reference, Im lucky enough to be in a situation where Im always welcome to move back home if I should ever move out and lose my job, get injured, etc.Thank you so much!EDIT: Formatting  <response>: Im a recent graduate, making 45k but my take home check is only 1760, much smaller 640 than your 2400. I do live in a cheaper area than California, but my monthly expenses are still about the same as yours. Like you say, youve got around 660month to spend on yourself, that seems like a huge amount to me.Where does this 660 go and where does your 800 specifically go? Im not sure how far that would stretch in California. What about increasing your 401k or another retirement account with part of that money? Or possibly your student loans?Youre doing decent for a person in their young twenties, but then again, Im in my younger twenties too so maybe Im just full of myself. 