<prompt>  Human: Ok so Ive never been really worried about saving money and no one has ever taught me what to do.I have a decent paying job and with a baby on the way I want to start saving. What is the general rules of thumb when it comes to saving. I am great at not spending money but I never know what to do with it. In a couple of years I will be looking into buying a home. So I want to start saving for a down payment. Sorry for the vague question but I hope you guys can provide me with some answers. Feel free to ask any more questions! 