<prompt> Human: Just recently I got promoted at my work, amd now make 35k a year. I live with roomates and drive a moped as transportation so my cost of living is fairly low, 300 a month for rent, 150 for grocieries, 50 for utilities and 200 for moped payments plus insurancegas. Im currently paying off the moped amd have about 2k left on it, and want to get it paid off as fast as possible. Also, I wanted to start investing in an IRA as my work currently doesnt offer a 401k. What is the best route for my to start saving money? Ive never made this much before and want to start good saving habits early.  <response>: Read the wiki on the side bar: PRIME DIRECTIVE: How to handle . Follow the steps and the flow chart, and you will be managing money better than 90 of Americans.Here is a link, in case you are on mobile:Good luck. 