<prompt> Human: Im going to go back to university to study software engineering. How much can i afford to travel if i live in a low cost of living city like Atlanta and dont have kids? Ive always wanted to visit coastal California, go skiing in Colorado, and visit NYC. Keep in mind i should have about 20k in student loan debt ill be living with my parents during college, if i lived on campus id graduate with 60k in debt and plan on putting 10-15 percent of my income in a 401k for retirement. I will graduate from college with about 20,000 in savings if it helps.  <response>: Become a software engineer and get some income and leave before you worry about this. 