<prompt> Human: Ever since I started working after graduation, I kept a budget because Im accountant and I love keeping track of numbers. 3 years later and some revisions due to pay raise and paying off car loan, etc., this is my current budget. Feel free to rip it down with advice!! Income per month after tax: 3,990 Apartment rent: 1,123 Phone: 87 Internet: 95 Utilities: 70 Chase credit card: 900 to 1,100 I use my credit card to collect points for travel. I use my CC mainly for food purchases. I eat breakfast at home but otherwise I eat out everyday for lunch and dinner. Sometimes I need to go grocery shopping and put gas in the car. I average that out to 30 a day. The extra 200 is for fun stuff like going drinking, movies, buying a cake, etc. Car - 2007 Subaru Legacy - paid off Student loans - 1,800 at 3.9 Savings - 5,500 Robinhood investment - 3,800 No retirement account set up as of this moment. Im 27. You might be thinking, what the heck are you doing with 1,500 in savings after paying all the expenses above? Well, you see, I love to travel. I been to Asia 3 times in the past 12 months. Using a combination of credit card points, good timing for sales, 300 OT hours per year extra 13k before tax per year, I can do that and have a nice cushion of savings. I am looking for imperfections in this current budget and way of life. Help out a fellow lurker of this subreddit:  <response>: No retirement savings is a huge miss in the budget, especially with such low debt. Make strides on both a pre-tax and post-tax retirement account to take full advantage of your age. You have decades for your returns to earn returns so dont waste any more time. 