<prompt> Human: So I am a spender. I want to understand more about bugeting and saving. I have some trouble understanding the concept of saving though. What is its purpose, what does one save for, to spend?Im 22, working somewhere decent, and graduating from college soon, I have lots of hobbies and like to buy things that allow me to do my hobbies.So to get started on this saving topic. If I had no loans, no credic card payment, no bills, had enough emergency money in the bank for 6 months, and lets say I wasnt really interested in retiring early or saving for my 401k- what do I do with my surplus money? Can I spend however much I want as long as I always had enough money for really important things?  <response>: Why are you not interested in putting money in your 401k? 