<prompt> Human: Im 23 with monthly 3,583 after tax income. My fixed expenditures come up to around 1500 a month. I have no debt but also have never had a credit card before. I dont know my credit score. I think at last check, it was not abysmal, but it was not very good. I have a checking and savings account 5,600 with Bank of America in which I try to contribute 400 every 2 weeks to, but I frequently find myself drawing from it to pay for incidentals, travel, and leisure. Ive moved recently-ish, so a fair amount of my income had been to getting my living set up and Ive also acquired a cat for whom the expenses are getting a little much for what I expected, but hopefully now will level out with just regular food, litter and medicine. Im guessing the biggest reason Im drawing from my savings is because I had bought a number of expensive items: music festival tickets, cabin and boating rentals, a litterbot and I regularly buy plane tickets to California to see my SO and visit family at least once every other month at 280, but more, maybe once a month due to special events and etc. And for every plane trip I buy, I need to add 7night for airport parking. Ideally I would like to sign up for a credit with good reward miles, but considering my lack of credit history, I dont know if I have the choice.I live alone, but not terribly extravagant I dont think, still I dont know how Ive managed to save so little. You can assume I started with 0 in savings in March, got a 5k signing bonus and only managed to save 600 since then. After tax income: 3,583Baseline Monthly expenses breakdown: Rent and water and garbage bundled: 707 Car insurance: 79.34 Internet: 46.92 Electricity and gas: 33-77 Insurances: 56.71 NPR pledge: 15 Gym: 6 401k: 358.30 Food: variable, 80-200 Gas: variable, 100-200Questions: Should I move to a higher yield savings account? Having it at BoA is convenient since apparently I need to transfer money often. I was thinking about opening a roth IRA, should I wait until have a bigger emergency fund saved up? What sort of credit card can I sign up for with my lack of history that might hopefully, give me miles?Thanks.  <response>: Youre flying back and forth to California, and spending lots of money on other trips boatcabintickets. Thats why youre not saving. Sounds like 600mo if Id have to guess.The numbers in the categories you quote arent bad at all. How are you tracking them? If youre wrong on these you might be burning more money than you think you are.Get something like Mint and start tracking all your spending to try to identify leaks. Id also suggest not flying back to California all the time, maybe twice a year. 