<prompt> Human: I am 23 years old and graduated in May 2011 with a bachelors in IT Management. I was lucky enough to get a job in my field of study starting at 51K. I started the job in September 2011 and made my first loan payment in November 2011. I was able to pay off 5K on my first payment, and then paid around 1050-1300 each month for the following 15 months. In Sept. 2012, my salary got bumped up to 53K.My initial goal was to have everything paid off by the end of 2013, so it feels great to have exceeded that goal. This was my only source of debt during this time. I definitely could have paid everything off earlier, but thought it would be important to starting building up for retirement and my savings - even if not a lot. During this time, I contributed 6 of each paycheck to my 401K - which is the max amount of what my company will match. On top of that, I started a Roth IRA in which I made the minimum contribution of 100 a month. I have also been able to build up around 20K in my savings account I had around 3K when I started working. I definitely could have put a lot of this towards my student loans, but was happy with my current monthly payment amounts and having that strong base in my savings is important to me.My question to you is now what should be my next financial stepgoal? I drive a 2000 Toyota Camry which is still running good, but I would be lying if I said a new ride didnt sound nice. I also plan on moving into a nicer place this summer. I feel that the 20K in my savings account is a strong base that I will continually build, but I know I shouldnt be throwing all the money I didnt have before in it. Should I increase my 401KRoth IRA contributions? If so, how much? If I am considering a new car in the future, how much should I have saved up? What else should I be considering?Finally - a curveball question. I have the opportunity to move to NYC this summer making 64K. With all things considered, I think I would probably be in a better financial situation making 53K in my current city compared to 64K in NYC. However, I wouldnt mind taking a slight hit for the chance to live there. Is it even possible to live comfortably in NYC making 64K? Keep in mind that I currently have no debt, but would be moving alone and looks like I would need to be making 1600-1800 rent payments from my understanding.Let me know if you have any questions. Thanks for your help.Z  <response>: Yeah, 64K for IT work in NYC is 1. Low - im sure you could do better and 2. Probably pretty uncomfortable to live on.If you have to pay 1800 just for rent thats 33 of your gross income before you even pay for utilities. Add in the fact that you also now have a state income tax, probably moving from the 15 tax bracket to the 25 bracket, high sales tax and thats really going to hurt. 