<prompt> Human: Hey all! I just want to ensure I am correctly spending and saving my money wisely. I am a 22-25 year old living in NYC without any student loans or debt.My job pays well and I have 20K saved for emergencies layoffs, injury, medical emergency. Now that I have that settled I want to figure out whats a good amount of money I should put towards all aspects of my life including vacations, food, rent, investing and retirement.I currently max out my Roth IRA and put it all towards the Year 2060 retirement fund on Vanguard. I am a consultant, so I am currently not able to have a 401K otherwise Id also start that up.Now should I begin to purchase Mutual Funds and ETFs in Vanguard? If so, how much of my paycheck should go towards that? Also how much of my salary should go towards vacations? I usually take 2-3 international vacations a year. Since I live in NYC, my cost of living is higher so I take that into consideration as well. I just want to understand how much of my paycheck should go towards what for a young-20 something without any debt.Thanks for the advice!  <response>: If you want to buy a house eventually, I would start saving up for a downpayment. My wife and I bought a hour around 25 and we saved super aggressively for 3 years to afford it. Our budget was basically: income after taxes 401K - 12K rent - 1200 we were splitting a 2B2B with another couple to save food restaurants - 1000 gas - 300 misc - 200 savings - 9300This let up save up the extremely large downpayment needed relatively quickly. This was important as property values have been going up like crazy our house value is up 275K in the 3 years since we bought it If you are not as interested in being a homeowner landlord go with investing, I would put 100 of after expenses income into a vanguard ETF, fees are the least and they will always match the overall market. If you are a REALLY good trader I guess you could pick out a portfolio of stocks yourself but I have never had much luck with that I know alot of people in finance an even they are pretty crap at beating the market consistently 