<prompt> Human: I make about 1,850 month.I spend about 1,300 month in expenses:770 rent250 groceries150 bills internet, gas, electric, etc130 other clothing, household purchases, dining out, etcI want my emergency fund to be at least 7,800 to cover 6 months of expenses closer to 7 months since I would stop spending so much in the other category before I stop focusing on channeling my money into that.What else should I start doing now to plan for the future?Assistant: Do you have an IRA or a 401K started?Human: No and Im not sure where to start with that.. any advice?  <response>: Its really easy to set up an IRA with any of the online brokerages. 401k would be through your employer. 