<prompt> Human: Just a question from a simple youngster starting out in the job market. Now I know what low pay is Im a cook, and 30k, to me, looks like a lot of money that I could save.Would you say that this view predominately comes from the perspective of someone supporting hisher spouse andor kids off one income stream? In this case I can definitely see how 30k is low.In my case, I dont plan on owning a house anytime soon or within the next ten years. I dont need a nice car and Ive even thought about getting a scooter or bike to get around town and using my old Camry for long distance. I own a simple cellphone, I dont watch TV, and if I didnt work at a restaurant I would cook all of my meals at home and cheaply. I use the library. I dont smoke and I rarely drink. These things are not temporary annoyances that I hope to fix someday with more money, I recognize that this is the type of life I have to lead if I have any intention of saving money, however small the amount may be.So am I missing something? Are there some hidden grown-up fees that I havent hit yet? I suppose my thinking will change when I have a child, but by that point I would hope to be a chef and maybe make 30k, so...  <response>: 30K for a single person depending on your location, is doable while saving a lot of money while planning for future goals and retirement. The grown up fees are usually Insurance, unseen expenses and the lack of a safety net when things go wrong. 