<prompt> Human: Im about to sign a 13 month lease on an apartment that has base rent of 755. I make 2,800 monthly before taxes.My requirement is that I must have my own place, no roommates, and realistically can only save about 100 a month for a 1bedstudio -- and all the places where thats possible are extremely shitty bugs etc. in bad parts of town. IMO the extra money is worth it for somewhere nice?Income is closer to 1,700 after taxes though Im probably gonna get a pretty large refund check.After city taxes and other BS fees they add rent, is closer to 800.Phone will be about 30 a month. Watertrash are included in rent. Electricity will probably be 50-100. Internet will probably be 50-70. Im sure I can do 150 for food. Netflix etc will be about 15. Car insurance is like 80. Gas is currently about 60 a month. I have the option of saving a little if I want to since this place is close enough to walk to work. Anything I missed?I have a savings account with about 20,000 so I do have extra room for any emergencies.  <response>: You should probably aim at having rent be 13 or less of your actual take home pay. Its doable at your income - but not great. The savings you have makes emergencies much easier to deal with.As much as you want to have your own place, a roommate is highly recommended until you can realistically afford your own place. Your other expenses seem fairly reasonable. Perhaps cut netflix and get on a friendfamily members account if you can.The emergency fund is good - if a bit too large. 6 months expenses for you would be 8kish. You may want to look into investing the rest or paying down debt if you have any.The biggest thing will be increasing your income. If that goes up, then your apartment becomes much more affordable. 