<prompt> Human: Hey rpersonalfinance,Short-time reader, first-time poster.I will be graduating with my Bachelors degree in June and I just signed for full-time employment upon my graduation.Heres my financial breakdown: 22 years old 60,000 salary 2,3072 weeks 401kMedicalDentalVisionPaid Time OffAnnual Bonus 8,500 in public loans owed 5,500 of which are are subsidized Essentially 0 in savingsAs someone that has never made much more than minimum wage before accepting this job, this is going to be a big step forward in my life and I want to make sure I am financially responsible moving forward. My number one priority out of school will be to pay off my student loans. I should be able to accomplish this within my first year of employment without issue.I also intend to invest the maximum into my 401k, but after that things get fuzzy on how I should approach things. I will be renting for the foreseeable future likely around 800-1200month at the moment. My goal is to first pay off my student loans and then start saving towards a new car. Im currently eyeing something in the 30,000 range either a pick-up or a Subaru. My goal here would be to first save 10,000 then finance a three-to-four year auto loan to payoff the rest.I guess what I really want to know is, given my situation, how should I appropriate my finances? I am also interested in starting safe investments in mutual funds, which I guess could double as investing towards a house at some point down the road.The following is a breakdown of how I ideally see my finances playing out. How realistic is this? Is this a good plan? What expenses am I forgetting? What would you do differently? Monthly After Tax Income: 3500 Rent: 1000 Food: 500 Loan Payment: 750 Gas: 200 Bills InsurancePhoneUtilities, etc.: 300 401k investment: 150 Savingsother investments: 100 Personal Expenses toys, going out: 500My rationale for the high personal expenses is due to the fact that it seems that everyone tries to underestimate their personal expenditures. Additionally, I am just graduating college and I will be moving into an apartment without much stuff, it would be nice to pick-up a few actual pieces of furniture lol.Once the loan is paid off, I intend to invest more heavily into my other investmentssaving towards down payment on a new car. I figure with a 10,000 down payment out of the way, a three-to-four year loan would be appropriate.Thanks for the input as I get started on this new chapter of my life!  <response>: Dont buy a 30k car. You are gung ho to pay off student loans just to jump into even more debt? 