<prompt> Human: I am currently 25, my parents raised me to save save save. Things like not having cable, only ever driving cars that cost 1000, never eating out, camping vacations rare. Because of this, my parents saved enough money to put me through college and give me an amazing financial start to my life. I have been able to save a ton but never actually made a budget before. Can you fine folk take a look and see if there is anything I am missing?Income after tax: 3850401K cont: 528144employer matchRoth IRA: 458Rent: 500Car insurancegas: 100Electric: 100Internet: 100GasWater: 40Food: 450 only thing I binge onSavings: 1000Leftover: 500 usually just add this to savingsCurrent Savings: 70,000 - 60K invested in VTI, 10k on handCurrent Retirement: 40,000I am still driving a junker car but plan on buying a Mazda 3 or similar car at the end of the year either a 2018 when they are trying to get those off the lot or a CPO. whatever I feel I get the best deal on. Also, next year I need to add 220 a month for health insurance if i elect to opt in or I can roll the dice as well as getting my own phone plan 75.I am off to a great start 100 due to my parents saving and generosity and dont want that to go to waste. I plan on providing for my kids the same my parents did for them but I also havent done this before. Maybe this helps motivate some parents out there to save as well because there were PLENTY of times as a kid that I didnt understand why we didnt have cable, why we didnt have a fancy push mower, go to Mexico or Florida for vacation. Now seeing how great of a start I have, I cant possibly thank them enough.Edit: Clarified I do have my savings invested in VTI Assistant: Holy crap. Youre saving 55 of your income. Mate wow.Also you should definitely rfinancialindependenceHuman: Never knew about this sub, I will take a look, thanks!Assistant: Hey, what speeds are you getting for that price? I work in IT, run several servers 247 which are using bandwidth pretty consistently, have many wirelessly attached devices, and Comcasts minimum 35mo plan meets all my needs.Not saying you shouldnt spend what youre spending, but I am curious what speeds you get and what your use case is. Human: Just did a test, got 170 down mbs. Totally overkill I know. Switching plans brings me down to 30 mbs which should be enough  <response>: Depends what you do with it and how many people share it. If its just you it should be just fine, but depends if you watch 4k streams on Netflix or play online games or anything like that. Most likely youll be fine if its just you and you dont care if the shows you stream are only 1080 instead of 4k. Also depends how much youll actually save by bringing the speed from around 200 mbps down to 30. If its a difference of 10month its really not much for something that can be useful, again depending upon how you use it. Also, you might be able to call them up and talk to the cancellation department and see what you can get for free out of them by saying you want to cancel since you dont use it. The cancellation department is always authorized to give out deals so they dont lose a customer. 