<prompt> Human: Hello rpersonalfinance. Just wanted to take a moment to say thank you. Im an active contributor to the sub, and youve helped me change my life around from someone in 10,000 in credit card debt to someone with a budget, savings, retirement, and aiming for rfinancialindependence.I finished up my approximate 2016 budget yesterday, and everything looks to be in order. High-level picture included I have a much more detailed breakdown but thats not really relevant to this post. My information breakdown is as follows: Income - About 45000 after tax and insurance Expenses - All mandatory bills, from rent to internet. Ive gone over them with a fine-tooth comb, theres nothing Im willing to sacrifice, save for maybe 200 in an emergency. Other - Non-mandatory expenses, Im much more flexible here Retirement - Maxed out IRA, Maxed out employer match, nothing extra Debts - 8500 car at 3, 65000 federal student loans at 6 Savings - This is flexible money that can be dumped into any category, including upgrading my E-fund. My buffer for financial mistakes is also included in here.With this breakdown, I should be debt-free with an 90k retirement in 7 years early 30s, assuming no major changes.QUESTION:Am I done? Is the breakdown about in line with what it should be? What do I do next? Can I improve on anything at a high level, and if so, what?Im finishing up my Masters degree next semester so I guess the next step for me is to chase income increases, but is that really it? Ive taken such an active role getting my life under control this last year. It seems...weird to just sit back for the next 20 years and do nothing.  <response>: 48 savings rate including debt repayment as savings is very solid. Youve hit on one of the problems with personal finance: when youre doing it right, its pretty boring. Put as much as you can on autopilot and live life without worrying about money. 