<prompt> Human: Im a 29 yo PhD student chemistry, United States, and Ive only just recently began to learn about personal finance, and finance in general. Ive lived a really secluded and introverted neckbeard kind of life and Im beginning to expand my knowledgeinterests. Ive been really good about saving money my whole life, and I have about 62,000 in a checking account. I feel like Im way too old to just be taking control of my life and getting into things like investing and retirement planning, etc. but I might as well get started anyway.The biggest financial regret I have I dont consider low income from grad school to be a bad thing is that I think Ive been paying way too much in rent.Monthly income: 1700Monthly expenses:Rent: 760Food: 200-250 this is probably too much, but I dont cook often and I try to eat decent foodUtilities: 115Internet: 55Gas: 40Student fees: 90Misc. 70 varies a lot, but I dont have any girlfriendsdates or petsIm not living beyond my means, but I could be doing a whole hell of a lot better. Back in the spring of 2015 my parents insisted on getting me set up in an apartment recommended by a good friend who lived in the same area. They paid the first few months of rent, then I picked it up later that spring. The place is great, 2 bedroom with a washer and dryer, no crime, nice people, and plenty of space. I looked at the prices of some 1 bedroomstudio apartments that are 5 minutes from my lab, and down-town where all the action is, and theyre around 150-200 less that I pay now. I feel like a complete asshole for having spent 2.5 years paying way more than I should have, and I want to move, but my lease isnt up for a while. Im not thrilled about the idea of living with roommates again I did this for years, but Ill do what it financially the wisest.I work 70 hour weeks, and my personality is such that I tend to avoid thinking about seemingly monolithic things like financebusiness, dating, art, etc. that dont directly relate to my work. I feel like terrible about that, so what I need from you is estimation of I am financially and in life, on a scale of good to shit. I WILL sort myself out within this year, but its not going to be overnight.Thanks in advance for any advice, I appreciate your time!  <response>: My 0.02: Open a Roth IRA and max it out. Thats 5500.62k in a checking account is just sitting there twiddling its thumbs. 