<prompt> Human: Hey everyone, just want to say this sub has helped incredibly as I progressed through college. Now that Im about to be on my own, I just want to be sure Ive accounted for everything, as Im really not sure what Im doing. I am lucky enough that I landed a good job making 70k in a finance department of a major company and have no school debt due to a full ride I got. Budget as of now:Monthly Income net of taxesinsurance premium and 13 401K Contribution with a 7 match: 3496Rent: 1187UtilitiesInternet: 200Car Insurance: 250Car Payment: 105.90Gas: 100Cell: 70-80 Havent decided on a service, bought a mid-range phone outright so dont have to worry about device feesFood: 400 Savings: 400 eventual house, emergency fundDisposable Income: 773Is there anything Im missing? Should I lower retirement to the standard 10. My company offers a pension plan but I really dont want to count on it because I really dont know if itll be around 40 years from now, assuming I stay that long. I will also have about 5K in investments and liquid savings when I start.  <response>: Shop around more on the car insurance and the cell. At the very least, in the US you should be able to get a plan for half that. Straight Talk, Cricket and Boost are places to start. For car, that might be an age thing, but depending on your area and your car, you might be able to find something much lower. 