<prompt> Human: Hi, Im a longtime reader and lurker. I am currently finishing my last quarter of university and just went full-time for a company and was hoping I could get some insight into my budget. 23 year old male, California native.Income: 2,026.00 monthly after taxesExpenses: Rent: 767 Cash Savings: 450 Groceries: 200 Phone: 60 Utilities: 35 Car payment: 210 14,000 1.99 Car insurance: 120 Misc. stuffentertainment: 100 Gas: 75Total: 2017The tricky part is 35000 6.8 in student loan debt, all federal. Loan payments begin in December, which gives me time to squirrel away some cash for an emergency fund, at which point Ill divert my as much of my cash savings part of the budget towards student loan debt as possible.And no CC debt. Ill be getting a hefty raise in July, and another in November, but while its effectively guaranteed pending a positive review of my probationary period of 3 and 6 months at work, I am clearly not counting on that to definitively happen. Any thoughtstipsadvice would be appreciated!Edit: Good lord responses. Time to get reading...thanks everyone!  <response>: At age 23, take your spare time and spare money and invest it in yourself. Become the best at what you like to do through whatever opportunities are available licenses, certifications, education, training, reading, seminars, etc. Your income will catch up to your talent.Dont sweat the small stuff cutting 10 here, saving 20 there. Putting yourself into a comfortable situation and positive mindset is paramount to increasing your income potential. 