<prompt> Human: Hello! I will within the coming months increase my salary from a good salary at 40.000 USD, to a lot better one at 70.000 USD. I am 23 years old with no debt from school or anything like that. I do however own a apartwent where I have a loan together with my SO that is around 120.000 USD. The monthly payment for this is around 600 USD. The salary I will have, is significant more than most of my age, I would like to continue being ahead of my age. I would like to save and I would like to save smartly while still living. Are there any advices you guys have for my situation. Yearly goals, 5-year goal. Save at the bank, invest in different stocks? Save to paydown as much of the loan? I am completely green on this area, but I would really like to make the most of the situation I am in.  <response>: Do not change your lifestyle as you make more money. If you guys get married try to live off one income. It might sound grueling, but once youve save 100,000 or whatever your goal is you will feel like its worth it. Imagine all your friends living paycheck to paycheck with nothing more than a few hundred dollars to their name all because they think they need things. Meanwhile, you have a ton of cash invested or saved. Youll watch game show where the winner gets 10,000 and they think it will change their life, but youll shrug your shoulders and think it would be nice but its not that much.Whatever you do good luck to you and congratulations. 