<prompt> Human: Hi PF. Im starting a new job with an annual salary of 40K. I want to start using my money wisely since with my previous job, I just spent without saving. Heres a bit about me. Really lucky that my parents take care of me...No rent since I live at home.Student loans at 19K - parents currently pay the minimum which is about 240.00month Current savings - 2500Basically, that 40K is just play money. However, I dont want to blow it on useless crap. Would it beneficial if I pitch in for my student loan? Maybe an additional 250 to total it to 490month? What about savings? Should I find a different place to save to maximize? Currently at BOA - free with checking. Im guessing Ill be making 2100 a month after taxes. Probably will spend 500 on gas another 500 on entertainment. If I pay 250 for student loans, itll leave me with about 850. For 401K never signed up with last job and totally confused with this Im not sure if they match. All it says is that for 2013, the max of 17,500 may be directed to your account. I do want to sign up for 401k though. I hope this is enough information to get some solid advice. Thanks PF!  <response>: No offense, but you and your budget are a joke. Your parents pay YOUR loans and you spend 500 on entertainment a month? Lol youre acting like you make more than an average wage 