<prompt> Human: Hi All --Boyfriend and I are living together with his parents. Its a long story but were looking to move out within this year or the next but also need to consider saving for retirement. We live in NYC. For the past 10 months, we have put away 10,700 together for our APT savings, meaning the money we will spend for 1st and last month deposit as well as any furniture we need to purchase when the time comes. Now, we are saving 1,000 a month individually for our personal savings. Aiming to save at least 6k each before considering to even move out. My savings: 1000, his savings: 400. Heres a breakdown of how much him and I make and our monthly expenses: Me: Salary - 41,500 Monthly after taxes - 2,700Pay off credit card: 200m or more if I can I place my Amazon Prime 100m, Gym membership 50m, and health insurance 377.60m on my credit card Personal Training: 95Metrocard: 121.00Phone: 40.00Groceries: 200Lunch: 100mBoyfriend: Makes 3,000 in cash a month works for his uncle Cat inhaler: 58m our cat has asthma Gym: 35mPersonal training: 95mCredit Card: 400mRent: 500m pays rent to his parentsGroceries: 200mLunch: 50mMetrocard: 121mWe also pay 200m for greens and split this cost. Thanks in advance for anyone helping. Assistant: Your boyfriend knows he still needs to pay taxes on his 3000month right? What does he do for health insurance? Does he have a phone?400 for groceries for two people seems absurd.95month for a personal trainer when you already have a 50 gym membership seems excessive when you are only making 41K or 36k in a high COL area We also pay 200m for greens and split this cost.Buy in bulkYou should also try to make a future budget for where your money goes when you move out. What is your new rent going to be? Utilities? Cableinternet? Other expenses his parents are paying for now that you will have to take over?Human: His insurance is free since he isnt recorded to have a job. He does have a phone but hes on his parents plan. Good questions. Thank you.  <response>: Committing tax fraud and Medicaid fraud seems like a bad idea. Hes also shooting himself in the foot on showing an income for apartment applications and future social security benefits among other things 