<prompt> Human: Hi everyone,Quick context: my parents taught me nothing - they had good jobs but were constantly overextended, in debt, house poor, etc. To this day, they continue to advise me to just put things on credit cards, that X is not a lot of money to spend on Y over-priced thing, etc. I had to explain credit scores to my mom a year ago. My situation: luckily, I graduated with only 1500 in debt because of scholarships and going to school in a different, cheaper country. I paid that off within a few months after living pretty frugally. My current situationSalary: just got a raise to 75k from 70k effective Jan 1Bonus: just got my 2017 bonus which is 15k or about 8,500 post-taxSavings before bonus:10,000 in 401k, no company match6,500 emergency fundDebt: NoneI live in a very expensive city think SF, NYC.Expenses: 180month in FSA, 122month pre-tax transit, vision insurance, and 6 goes to 401k leaving me with about 3540 after taxmonth..Rent: 1125Dog walker: 200monthTherapy told you I had crazy parents: 200monthMedications: 25monthDog supplies food, treats, incidentals: 25-30monthFoodmonth: 560 I eat out a lotIncidentals: 150 medical copays for random appts, cleaning supplies, toiletriesThe rest: discretionary spending, travel, hobbies, etc.My credit score is about 735. It was 500 when I graduated because my mom let several medical bills default that were under my name even though I was on her insurance and her dependent.So, where are my weak spots? I was thinking I would, with my bonus, bring my emergency fund to 10k, put aside 2400 for the dog walker for the whole year, and then maybe open a Roth IRA and put in 2500? Any other ideas? Am I doing okay? For context, I made 70k this year but the year and a half before I only made 55k. I used my bonus last year to create my emergency fund I had no non-retirement savings. I graduated in Spring 2015. Sorry if this is dumb, I just genuinely dont know if Im heading in the right direction or if Im making major mistakes. Ive done most of my financial learning by reading online articles and asking savvier friends.  <response>: Considering you paid off your debt and recently had an increase in your income, Id say mind you, I am unqualified you are doing just fine, especially after considering that you started with no knowledge of finances.A lot of people around here would probably recommend eating out less often though. 