<prompt> Human: Ive always been broke, just barely making it month to month. Now I know 40k isnt a lot, but its a huge deal to me. In addition I get nights, weekends, and PTO...perks I never dreamed of. In addition to having an extra 800 a month to play with after ALL expenses. What do I need to start doing with my surplus. I am 25, no degree, and no savings.  <response>: Follow this flowchart:If you have specific questions, please ask. 