<prompt> Human: I am 22 yo recent college grad living at home with my parents in New York. My monthly take-home pay is 2,350. I have no student loans or other expenses.Savings: 22,500 in mutual funds 18,000 Roth IRA 2,000 in savings account 6,500 in my companys 401KPersonally, I feel that I am in pretty good shape right now, but I am worried about the comings years because when I move out I will have to take on expenses such as rent, cell phone, health insurance, food, etc. My salary will increase to about 2,700 monthly take-home next year but living in NYC will be very expensive. I would like to hear your opinions and advice.  <response>: Thank your parents for helping you get started at such a young age. That extra 5-6 years of compound interest is going to add up big time. 