<prompt> Human: Hello all, Ill make this short. I am 21, just out of college with a BSBA Management, I landed a job in another state and I really do not know how to prepare for the change. I have zero debt college, credit cards, loans.My car is paid off and I live at home so I was fortunate to have a decent savings built up. Any advice for someone in this position? My main questions are about housing, any investing, I just want to be smart with my initial jump in salary.Assistant: You can live pretty comfortably on 47k in Arizona. I am guessing the Phoenix metro area? I live there and strongly recommend finding a place to live as close to work as possible - the commutes suck. Housing is still pretty affordable here - but its going up. Coming from Nevada the temperature change wont be that big of a shock unless youre in Reno. Welcome to the valley!Human: It is actually in Tucson! I am not from Reno aha  <response>: 47k in Tucson? Prepare to live like a king!But on a real note, look into all of your employers benefits, especially 401k match and ESPP if available. Once your e-fund is established, start pouring money into savings and retirement. Open a Roth IRA super simple, I promise. Try to avoid spending money on unnecessary stuff for now big TV, HBO, eating out and pinch pennies for a couple months starting out until you develop good habits out on your own. Then you can start looking at your budget and what sort of luxuries youre willing to spend money on.If youre self-disciplined, get a rewards credit card and put all your spending on that, and pay it in full each month by the due date. If not, dont bother with cards for now. Put your savings in an online bank I use ally, but there are others that work well also and are recommended in this sub. Go out and meet people! There are tons of young people in Tucson near the University, find people that share your interests. You can check out rtucson for more help in that realm. 