<prompt> Human: Edit: Just some added information that a lot of people have asked about. I have zero debt, as well as zero credit history. I am now aware that I need to work on that credit so that will be one of my first steps. Also looking into the 401k and am making a budget to follow. Also going to look into IRA since a lot of people have mentioned that as well.I have learned more about finance today from this post than the last 20 years combined. Thank you to everyone who posted the thoughtful advice, I appreciate it so much!Edit 2: I am aware that 30k is not actually that much money. This is normal entry level pay for my field in the area. This is my first job out of college and Im just trying to start good habits early.  <response>: Open a savingschecking account at another bank. Have your company direct deposit 10 or whatever you can afford, into that account every paycheck. Do not get checks or a debit card for this account. If you need it you can visit the branch inconveniently. This method has helped me save 2k in the last few months. 