<prompt> Human: Im currently junior enlisted in the Navy, making 22,000 a year. I contribute 275 a month to the TSP, and 300 a month to regular savings which I only just started doing which I intend to use to go to the upcoming winter Olympics in Korea. I have a non retirement brokerage account with USAA worth just shy of 2,000. I have no debt, and besides internet and netflix no monthly expenses, and I wind up mostly drinking the rest of my paycheck.Im looking at increasing my savings rate but am not sure what to be doing with it. I currently dont have kids or any plans to have any in the foreseeable future, but would like to be ready for college because I dont want my kids to worry about being a burden to the family and choosing to not go, and am also considering buying a home in the next 4-6 years, depending on where Im at career wise, so I know I also need to be working towards building up money for a down payment now.Given that, what should I be doing with any extra savings that I cut out of my debauchery budget?  <response>: Save for your retirement first. Worry about saving for kids once your retirement is very solidly on track. If you dont have kids and arent maxing all available retirement accounts, no way should you even think about saving for them. 