<prompt> Human: I turned 30 this summer and it finally started to sink in that I needed to plan my finances better. I have a university degree and am working on a certification will finish Dec19. I currently have zero debt finally! and about 7000 cash. I have a fair amount of other assets, that I have zero desire to liquidate furniture, equipment, tools, etc.. I work full time and my after tax income is around 32,000y. Expected monthly expenses rent, utilities, gas, food are around 1180 and represent about 43 of my after tax month income2700. By May of next year I should be able to reduce my expenses by at least 300m. I have been reading that a goal for age 30 is to have a years worth of savings, and by 35 2 full years. By that measure, I am well behind. With a significant reduction in my expenses, or an increase in salary I am not sure how to approach this. Any advice or guidance would be appreciated.  <response>: Youre doing WAY better than most. Dont worry, it sounds like you got it. I would suggest a Roth IRA to sink extra funds into. 