<prompt> Human: I am a 23 year old recent engineering grad. I recently got hired by a pretty fantastic company in Nevada currently from MI. The salary they have offered me is 75k, which is fantastic, there could be performance bonus eligibility after a year of employment, but for the most part 75k is what I get. Currently I live with my mom, who also pays for my car insurance. She wanted me to get a little more settled financially before she shifted the burden onto me, however the move is going to change this. Here are my outstanding debts:29,000 in student loans all government loans, highest rate is 4.77. Also most are not accruing interest yet.700 CC debt credit score is like 760 I have about 15k in available credit0Predicted Costs of Living:RentUtilities: 1000-1100 800-900 rent and I believe utilities and internet will not exceed 200. Also I will have to pay extra for a washerdryer in unit, but this is a must have for meCar Insirance: 15006 months? not really sure tbhGroceriesGas: 200-300 a monthNetflixAmazon PrimeSpotify: 25 a month basically all the entertainment I needIncome:75,000 before taxes, I intend to contribute 12,000 before taxes to a 401k. Taxable should be 63,000. Nevada also doesnt have state income taxes. Using a tax calculator Im looking at about 13,500 in taxesFICA etc. I can also contribute 15 of my after tax money to an account that allows me to buy company stock at a 15 discount. I plan to take full advantage of this. So if my take home is at about 49,500 I plan to contribute 15 to the stock option which leaves me at about 42,000. With my predicted cost of living, if Im more conservative at 1300 a month, thats about 15,600. leaving me around 26,500. 3000 for car insurance leaves me at 23,500. I plan to max my roth IRA for this year, and have 3400 left to contribute, which puts me at 20,000, I can contribute 7500 towards loans and have an emergency fund of about 10,000 leaving me 2500 other stuff. I also have a 2000 moving stipend i can use on any moving related issues the first year, this will include rent, but I would prefer to use it on furniture potspans dishes couch etc. Does this seem reasonable? Or am I being unrealistic.  <response>: You have a huge margin for error, so youre good. Dont let fear make you stay at home unemployed. You got this dude. 