<prompt> Human: Hello everyone. I have been climbing the ladder from very low income to low income for the last decade. Finished school and landed a job where I will now be making around 100,000 per year starting. Any advice on what to expect? Especially around tax time? How do I keep myself from being tempted to live above my new means in the future? I am now down to 12k in total debt which will be paid off within the next couple of months. I have not made any purchasesinvestments yet with new income.  <response>: Congratulations on moving up in the world! Good on ya for making a better life for yourself.Someone here mentioned lifestyle creep, definitely watch out for that one. One suggestion Id make is to watch out for what I call springback. If youre overly cautious with your money and dont allow yourself some pleasures in life, you might reach a breaking point and splurge. I think its important to give yourself some spending money to avoid a slow-building urge to spend. Have a nice meal, buy some nice clothes--but make sure its in your budget and that you stick to it.It sounds like youre in a really good financial situation. Dont sign up for debt you dont need car payment, more housing than you wantneed, credit cards out the wazoo, etc.. 