<prompt> Human: Hey everyone,So I am a 25 years old, I recently got a promotion at work taking my salary to 95,000. I have zero debt and my car is paid off. My pay right now is all put in my checking account, after matching my employer contribution of 5 in a 401k. I have put 6,500 in a savings account the same bank that I have my checking with but besides that I have no other savings. My monthly expenses right now are on average 800 for rent and utilitiescable. This is where is gets really bad, the rest just goes to foodentertainment and things like clothes or random purchases. I just want to take control and have more structure to my spending and investing, I know I should have a much tighter grip on my money and start investing beyond that 5 the match, I just really feel overwhelmed and dont know where to start. Any advice is greatly appreciated.  <response>: First take a look at I have XX What do I do with it in the FAQYou are actually in a great shape, and ahead of 95 of people your age. Create a budget, and start tracking your expenses. You should be a able to save a lot more than you do now, and having a good budget will go long way to getting you there. 