<prompt> Human: Hello,Longtime lurker, first time poster. I am looking for advice and critiques of my current situation and savings. I have been working in the Boston area for the past 3.5 years after graduating college. I was lucky enough to be living at home for the first two years and was able to payoff all my student and car loans during that time. I started off with a modest salary 45k and increase to 60k. I was just promoted and am now making 80k salary increase was through changing jobs once and two promotions. I track all my spending each month through a budget, this is the breakdown per month 11 months sample size from 112016 to 1212016: - Rent utilities 1,100 live with girlfriend - Groceries, eating out, etc. 450 I make more than my girlfriend, so I pick up tab more frequently - Gas and other car expenses 100 - Entertainment Going out for drinks, sports events, concerts, etc. 133 - Gym membership 50 - Vacations 100 Went on a couple of trips during the past year which equaled to 1,100 which breaks down to 100 per month - Clothes, Electronics, Gifts 125 a few weddings in the summer and looks like a few more in 2017 - Leftover for Savings Roth IRA, brokerage, savings acct 1,200 Current savings: IRA 16,000 I have maxed out my Roth IRA the past 3 years 401k 27,000 started off with 6, but increased to 15 and planning to increase to 20 for 2017 based on increased salary Emergency Fund 12,000 6 months of expenses for daily living in my checkings account Investment brokerage 18,000 invested in vanguard ETFs and individual stocks Savings account 14,000 I have a decent baseline for personal finance, but looking for any critiques comments. Again, no debt, I paid off my student and car loan when I was living at home and payoff my CC in full each month I know I definitely spend too much on eating out and going out with friends, but I enjoy being a young 26 yo in Boston and going out with friends. My goal is to buy an apartment in the next 3-5 years apartments I have looked at are 500k for a 1br I already created a rough budget for 2017 which i will save 20 on 401k 16k and 19k towards my Roth IRA, brokerage, and savings account havent broken that up yet.  <response>: Youre doing great.No reason to beat yourself up over going out with friends as long as you are hitting your savings goals. Based on what you are saving Id actually continue to spend that much as engaging with your social network is one of the keys to happiness.If you are saving 20-25 already you are well on your way to financial independence. Wife and I did that and are now financially set in our early 50s and just working as semi-retired. 