<prompt> Human: I am about to graduate from grad school and I have a job lined up for me right out of school. I have never lived on my own because I have a controlling psycho of a mother, so I am planning on moving out and cutting ties. Unfortunately for me, this means pretty much starting out on my own without the aid of family-bundles on a variety of things. It also means having to buy my own car since my car is technically under my moms name even though I give her the money to pay for the car. I am a male 22 and will have a pretty good income starting in February and I live in the Triangle area in North Carolina. I have money to start out with from my internship and Ive saved 10k as an emergency fund for the past decade to prepare for this. Things that I think I would need: apartment: 600-1kmonth depending on whether I find a roommate renters insurance? Utilities: 100month car: 500month if I were to rebuy a Honda Civic car insurance: 300month been in 2 accidents that were not my fault. not sure how car insurance would be for me, but a friend ballparked a max for me health insurance: 70month sum of medical, dental, and vision from company and something called an HSA food: 250month phone: 30month if I didnt read the single line plans wrong on Verizon student loans: 400month 401k: 1.5kmonth IRA: 460monthIf my estimates are right and Im not missing something really important, I should be fine with my income. What are other things Im unaware of?EDIT: Didnt really want to mention my income, but if it helps, itll be 85k with a 6k signing bonus.  <response>: You should rethink what car you are trying to buy. 500month is pretty steep. Or at least look at a couple year old Civics. 