<prompt> Human: Have been living in NYC for a year and have had this income a year..so still building savings. I was wondering if you guys can help assess my budget and my current situation. i.e. If there is anyway I should or reduce my expenses.Income Yearly350,000Before TaxesExpenses Per a MonthRent - 5,700Cellphone - 150Groceries - 700Gym - 220Metro Card - 120 Car lease - 990 I have a small place in the country so I need a carParking Garage - 450Uber - 300RestaurantsLunchesCoffee - 1000Clothing - 700TravelEntertainmentBars - 2,000I only have 150k in savings. In addition, I have 95,000 in my Roth IRA. Is there anything else I should eliminate to reduce my expenses given my situation?In addition, any other advice for a 30 year old would be greatly appreciated! :Thanks.  <response>: Take home should be at least 200K, right? So 16Kmonth against expenses 12,320. Savings rate of 33. Not bad at all. Not particularly amazing given your income, but you have no debt and are saving 36K per year or more. Most of your expenses are discretionary and could be cut in half or even eliminated quickly if you needed to. No financial problem here. 