<prompt> Human: My wife and I are 21, just graduated with college, no kids, and both have full-time jobs. Shes starting in September, and I started two weeks ago.What I need help with is setting up a reasonable budget that puts money away at a good rate, trims excess costs, and allows us some financial security.Were coming off of a typical college life, living dollar by dollar, so were just building up our account now, so for the sake of simplicity, Id say were starting with 0.Income: Mine - 35,700 after.Wifes - 25,600 after.Debt: 16,000 student 3.86 FIXED; 14,000 student 3.86 FIXED; Start paying both loans in 6 months 7,000 left on car 6.19Monthly Expenses: Rent: 650; Car: 219; Health Insurance: 240; Utilities: 300 Includes cableinternet; Food: 350; Gas: 150-200; Misc: 200; Benefits: 401k; 100k Life Insurance; Health; We have no credit card my wife has a Target RedCard, no investments, and own two cars the one with the loan still to be paid.What advice can you give us? Thanks!EDIT: These categories have been consistent, I added miscellaneous to account for fluctuations overall.  <response>: use this image to build up your savingsinvestments while you bring down your debt in order of importance. Pay down debt by highest interest rate first 