<prompt> Human: Hi all,I will be graduating soon and I have just accepted a job offer in SF with a salary slightly higher than 100k. My company does not match 401k as of yet. They plan to begin it later this year they are a start up.Assuming I am able to bring in 5400 each month after taxes, and I would pay around 800 for rent I will not be living in the city and 1500 for food and other expenses, what should I be doing with the remaining 3100? If possible, I want to max my 401k and IRA. Should I be investing the rest? Or just putting it in my bank account?  <response>: 800 for rent in the Bay Area is very low unless you have more than one roommate. 