<prompt> Human: Im graduating in June with a degree in Graphic Design. Having worked hard all throughout college in a part time position and freelancing, I never managed to make more than 10k a year. Now, I just received an offer for 85k full benefits 401k annually, with 1 month provided housing and a 10k lump sum for relocation. It was totally unexpected. I dont know who I should be talking to, what investments I should be making, how much I should be saving, etc. Its all new to me and Id be grateful for your advice. So, a few questions:-Its San Francisco so 30 higher living costs than Seattle where Im from. I am really trying to live downtown, close by work or the BART. What is a reasonable rent for a nice 1br apartment on my salary? I have been looking in the 1500-3000 range so far.-After taxes and other expenses, how much cushion money am I looking at each month? From my rough estimates, 7k per month would shoot down to 2-3k after taxes, rent, and student loans?-Accountants. Everyone is telling me to get to one. Is it necessary?Also, I have about 23k in student loans, and no need for a car down there.  <response>: Just start small. Dont make big expenses, dont sign up for expensive contracts. Get that place to stay, and because youre renting that also means you can move when youve found your way around and maybe found a cheaper or higher quality place. Monitor your expenses during the first month, and see how much they are for groceries, transport etc. Youre used to living on little money, keep doing it for a while. In the next month, maybe you can upgrade some of the things because youve seen that you have enough money. But never upgrade if you actually feel perfectly fine. Dont buy into lifestyle inflation: just buying things because your colleagues buy them, or because youve got some money left.I guess youll have to focus on work a lot; youll start a new job. And that is the most important thing. If you would lose your job because you dont do it well, all financial plans have to change. And sometimes you just lose your job because the company goes belly up, that happens too. Hopefully youll do well and in time get promoted or get better and more interesting job offers. That will help you build a nice financial future!Once youve been working for a month or two, you should see how much you can save each month. I would then first save up for that cushion equalling about 3 months of regular expenses and then look at 401k plans at your work and at paying off your student loans quicker. 