<prompt> Human: Recent college grad, first job with a 40,800 a year salary. I have student loan debt of roughly 100,000. My parents are going to pay half of the monthly payments. Because Im living at home with no rent, Im going to throw 1,000 a month at the loan, and theyll still kick in their 500. This way we can pay it off at an accelerated rate. I drive almost 400 miles a week to and from work, so thats why the gas budget is high. Im taking home 2,550 a month after taxes, here is what Im working with in terms of a budget. 1000 - student loan500 - directly into savings account for major purchases auto repair, vacation, etc.250 - TD Ameritrade Roth IRA. Right now theres next to nothing in there. Will invest in the Vanguard 2055 retirement index fund when I have roughly 1,000 in account. 150 -Rent, to my parents. Very minimal, but my father is old school and doesnt believe in rent free living. This is the agreed upon amount. 90 - Car insurance. On my own policy w travelers. 40 - Cell phone bill. Still on my family plan but Ill give this to my mother monthly.150 - Gas. I drive almost 400 miles weekly for work. 10 - gym membership. This gives me 360 in fun money a month. Ill use this for going out in Boston with friends, eating out, etc. Id appreciate the feedback, because this is my first real attempt at planning out my monthly spending.  <response>: Whats the interest rate on your loans? 500 for major purchases and 360 for fun money is very high when youre six figures in debt. 