<prompt> Human: I am starting a job on Monday making 30k before taxes. I will be in grad school part-time because with my degree, 30k is the max I will make most likely. My parents are fortunate enough to be able to pay for both my undergraduate and graduate education, so loans are not an issue. They are also paying insurance car and health.I basically am starting from scratch luckily and have no idea what to do first. IRA? Investments? Should I take over my health insurance through my work insurance or let my parents keep that expense? What do you wish you saved forpurchased when you were my age 23? My parents are trying to retire so I am open to taking what costs are feasible.Im also interested in what other people bought with their first legitimate paychecks!I am currently renting for 470 and utilities in my area cost about 160 including cableinternet.  <response>: First, look into your company retirement and if they match. For example, my company offers a 401k and they match up to 4. You should max that out first. Its 100 return on your investment and it doesnt get much better than that. 