<prompt> Human: Hey guys - Im using a throwaway account since I am a somewhat regular commenter here. Im one of those cases where you should take my advice but never do what I do. I just have atrocious spending habits. Heres where I am at:All in I make 100kyear. I never thought I would be making this much and it goes up by 25k every year. The problem is I have never really known what to do with it. My company is just myself and one other guy, and theres no formal 401k, IRA, etc. I get equity in the companies we buy, but nothing is formal at all. Right now, my fixed expenses are around 2,000 per month. Rent is 1000, Car is 450, Various insurance is 200 or so, cable and other is around 200, then theres small things like Spotify, Netflix, Xbox Live, and Dollar Shave Club. I have about 30k just sitting in a savings account and 5k in my checking. I have about 50k in options in a private company we just acquired. As far as assets go, all of my furniture, clothing, musical instruments, and electronics is probably worth at least 20k wholesale. I have about 25k in student loans that are currently deferred until next month.Heres where the problem is. Ive been spending anywhere from 2k-3k per month on random bullshit. Clothes, trips, I eat out every single day, shoes, the list goes on. Recently I set up automatic wire transfers from my checking to savings for 1000 every month just so I was forcing my self to save and not put so much on my credit card. I am honestly surprised I saved as much as I have over the past year. A year ago I only had 7k in my savings account. I have no idea what I should do. How much do I leave in the savings account? How much do I put in the market? Whats an IRA? I work in private equity but I know nothing about personal finance - and its kinda embarrassing.  <response>: since I am a somewhat regular commenter here.How much do I leave in the savings account? How much do I put in the market? Whats an IRA?read the faqalso, quit buying random bullshit and make your own food once in awhile. 