<prompt> Human: Hi Guys, Got this sudden feeling that I dont save enough, not sure what averages are or what a good ratio is though.- 29 year old - salary 149,000 USD- rent 484 week --- this is WEEKLY- 10k car, paid for in cash- 25k in a savings account - 9,600 in owed to a credit card- savings minus CC debt gives me savings of 15,400 assuming I pay it in one go- Most of my expenses are drinking and eating. I put money into a part time masters degree which will cost 30k by the time Im doneAre my savings crazy low? What would be a good saving to earning ratio to aim for?ThanksEDIT: more details:- Salary over last 6 years after graduating- year 1: 42,000- year 2: 58,500- year 3: same as year 2- Year 4: 104,000- Year 5: 125,000- Year 6: 149,000 current salaryI work in tech and jump jobs roughly every 12 months, in a very high growth area.  <response>: salary 149,000 USDrent 484 weekMost of my expenses are drinking and eating.Now Im no mathematician, but wow, thats a lot of money spent on food and drinks. You could and should certainly, and easily, be saving quite a lot more. Congrats on getting such a high paying job though; that really makes things easier. Btw, never carry a credit card balance. 