<prompt> Human: Hi everyone! So as the title says, I just got my first job out of college and I really want to make sure that I am financially stable and responsible. I have to wait a year to qualify for my jobs 401k, but once I am eligible I will absolutely do so. From working throughout college, I have 1300 dollars saved up. Not much I know, but it is better than being in debt! Anyways, I am only making 16 an hour right now, but I have very little expenses because I have no student loan debt and I still live at home. I pay for my phone 50 a month, gas and car maintenance, and my car insurance, which is 1700 a year. Eventually I want to move out, but not until I am financially stable. After taxes, I am taking home about 450 dollars a week. I dont mind living frugally, and I am serious about being financially independent. I will be getting a raise in 6 months, but until then, where do I start?  <response>: I suggest you read all the posts at Mr. Money Mustache It will take you a while, but you will come away with many important financial truths. You dont need to focus on early retirement like he does, but his tips on frugality, savings, and investment are worthwhile. 