<prompt> Human: Hello all, if I could be better helped elsewhere please point in the right direction:I just got out if college and Im struggling saving my money and need some guidance. I would like to leave home in 2 years. Some debtfinancial info:-debt of 19K for vehicle, 360 monthly payment-120 monthly phone bill-200 monthly bills helping mother with living expenses-food not always available at home so do eat out frequently-paid every 2 weeks-10 of income invested into 401KI never thought I would find a way to spend the money I make but Ive found a way somehow.Thanks for any help  <response>: Be careful about your salary growth assumptions. More than a year out, the likelihood of predicting with any accuracy goes way down. The market could crash, your employer could do a wage freeze or a lay-off, etc. 