<prompt> Human: I recently graduated from a Big Ten school in May with a degree in Mechanical Engineering. I am very fortunate that I do not have any student debt, and a relatively sizable savings for a 23 yo. My parents worked hard, were very frugal, and made a very healthy living, and didnt require me to pay for college. I basically paid for my wants and they paid for my needs until I graduated and got my post grad job.Currently, I make a gross income of 60k a year working for a defense contracting company.Right now I have:Savings: 21,000Checking: 1,800Brokerage Account: 3,200 with WealthfrontCredit Card Debt: 0. I seldom use my credit card in favor of using my debit card. 401k: 1,200My company matches 50 on contributions up to 10. I am contributing 10.5 10 to pretax 401k and 0.5 to Roth 401k. I also put 100 per month into my Wealthfront account. When determining how to allocate my money for 401k and Wealthfront portfolios, I did their surveys to help determine where to put my money. I let both accounts manage for me.Expenses:Rent Parking: 1,040 a month. Rent includes utilities, cable, internet, etc.Spotify: 10 per monthGym membership: 400 per yearGas: I dont have a good number for this. I just pay as I need.Supplements: I dont have a concrete number for this, I pay as I run out. Probably around 110 per monthGroceries: 80 per week. I also have a rewards plan set up with my grocery store such that I get a certain per gallon savings on gas depending on the amount of money I spend and the things I buy. I end up saving about 1.10 per gallon on one tank of gas a month.Leisure: I dont track these expenses very closely.Haircut: 30 every 5 weeksAmazon Prime: 100 per yearI dont really have any concrete savings plans and goals. I have a loose goal of saving around 200 per week. I get paid weekly, with my whole paycheck after tax and 401k deductions going to my personal checking account. At the end of the week, I add up all of my expenses from the week, taking into account a weekly equivalent of the expenses above, and move the remaining money to my personal savings account. I do my best to be frugal and mindful of the fact I want to save, and end up saving anywhere from 150 to 330 per week. This varies so much due to the fact that it depends on whether or not I got gas, groceries, andor supplements in the same week.Since I have no debt and I have no plans of purchasing a car or taking out any loans in the near future, I believe I am in a good position to establish myself fairly young. I feel like I am ahead of the game, despite my loose savings plan, but would like some help determining where I can help take myself to the next level. I have read a decent amount of threads but would like a more personalized recommendation. More specifically, how can I improve my investments to maximize gains, can I better allocate money to my investments, any other accounts I can open, is there an effective, yet easy way to save, etc.Thanks in advance!  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- I recently graduated from a Big Ten school in May with a degree in Mechanical Engineering. I am very fortunate that I do not have any student debt, and a relatively sizable savings for a 23 yo. My parents worked hard, were very frugal, and made a very healthy living, and didnt require me to pay for college. I basically paid for my wants and they paid for my needs until I graduated and got my post grad job. Currently, I make a gross income of 60k a year working for a defense contracting company. Right now I have: Savings: 21,000 Checking: 1,800 Brokerage Account: 3,200 with Wealthfront Credit Card Debt: 0. I seldom use my credit card in favor of using my debit card. 401k: 1,200 My company matches 50 on contributions up to 10. I am contributing 10.5 10 to pretax 401k and 0.5 to Roth 401k. Expenses: Rent Parking: 1,040 a month. Rent includes utilities, cable, internet, etc. Spotify: 10 per month Gym membership: 400 per year Gas: I dont have a good number for this. I just pay as I need. Supplements: I dont have a concrete number for this, I pay as I run out. Probably around 110 per month Groceries: 80 per week. I also have a rewards plan set up with my grocery store such that I get a certain per gallon savings on gas depending on the amount of money I spend and the things I buy. I end up saving about 1.10 per gallon on one tank of gas a month. Leisure: I dont track these expenses very closely. Haircut: 30 every 5 weeks Amazon Prime: 100 per year I dont really have any concrete savings plans and goals. I have a loose goal of saving around 200 per week. I get paid weekly, with my whole paycheck after tax and 401k deductions going to my personal checking account. At the end of the week, I add up all of my expenses from the week, taking into account a weekly equivalent of the expenses above, and move the remaining money to my personal savings account. I do my best to be frugal and mindful of the fact I want to save, and end up saving anywhere from 150 to 330 per week. This varies so much due to the fact that it depends on whether or not I got gas, groceries, andor supplements in the same week. Since I have no debt and I have no plans of purchasing a car or taking out any loans in the near future, I believe I am in a good position to establish myself fairly young. I feel like I am ahead of the game, despite my loose savings plan, but would like some help determining where I can help take myself to the next level. I have read a decent amount of threads but would like a more personalized recommendation. Thanks in advance! ---I am a bot. Contact pentium4borg with any feedback. 