<prompt> Human: I recently got a job in NYC that starts me off at 57k, and Ive been trying to apportion my savings ever since. I start in Fall 2015, so Ive got some time to go apartment hunting and to budget. Heres what Ive got so far:Gross Income: 57,000After Tax Income 25 tax bracket 5 for confidence interval: 39,900Monthly Take Home Pay: 3,325So Ive got 3,325 every month to live in the NYC area. My breakdown of that is as follows:Rent: 1,000Utilities: 60Cell Phone:80Food: 500 this will be extremely variable. Some days my employer covers food, some days I will come home early and cooktake out.ROTH IRA: 400Health Insurance: 300 Im not sure how much this costs, just an estimateEntertainment: 300College Debt Payoff: 300 balance 13k.Savings: 385Am I missing anything here? I have never been fiscally independent, so I want to make sure Im on the right track.  <response>: I would cut down on entertainment until you have a 6 month emergency fund down. 