<prompt> Human: Hey PF, Im 28 years old and recently graduated from college. I got a job in New York city which starts at 42,000 a year, but Im graduating with 46,000 in student loans, and about 3000 in credit card debt. To start I will be living for free with a friend, but I imagine that will only last about 2 months. Ive heard that cost of living is exceptionally expensive there, but I was curious if anyone had any advice as to how I should approach a budget in the area. In other words, is there anything that I maybe dont know about New York that I need to consider? I want to pay off my student loans as fast as I can so I can start investing in my future. Sorry if this is too wordy, first time posting. Edit: I dont necessarily need to live in the city, Im okay with commuting if that makes more sense. Ive just never lived on the East Coast in general, so Im trying to get a feel for a realistic budget while still being able to pay student loans. Great links so far, thanks!Assistant: Dont do it. Cost of living will kill you. Human: Well I think the job opportunity is worth living frugally for a little while, I just need to know what I can expect when I get there. Unless youre saying its impossible on that salary, which I hope is not the case.  <response>: Your 42,000 in NYC depending on where, BrooklynQueensManhattan will be equal to making about 20k-30k in Portland. Can you live comfortably in Portland on 25k? 