<prompt> Human: Hey PF, Ive decided I want to start saving money early on so I dont fuck myself later and I wanted some advice.My living situation is about as good as I could hope for right now. My boyfriend and I live together. We work in the same company each are making 1300 per month after taxes. His dad drives truck and wanted a house for when hes home maybe 4 times a year so we are living almost totally free of bills. I owe my boyfriend about 3,000 from early in our relationship when I was stuck part time at my job during my probationary period. I also owe 600 to the electric company from our first apartment that basically lacked insulation electric was 1300 for heating over the winter. We left in January. Thats being paid back at 100 per month.Anyway we plan on living here for a few years until we have a down payment for a house. Im a grand total of 3600 in debt. I have 110 in bills. I make 1300 per month.I need to get everything paid off and start saving, but Im not sure what the best was to go about starting a savings is. Im very bad with money If I have it it gets spent of something. I kind of want to find another bank with a good interest rate and put my extra money in with direct deposit so I dont even have a chance to touch it. Is that a good idea even though it wont teach me to be responsible with my money? What would be a good interest rate for a saving account? Does anyone have an suggestions?Im also thinking about getting into 401K through my job when enrollment is open again. I have no idea how it works, though. Im sure I can get it mostly figured out when the time comes and with my boyfriends help since he has one as well. What happens to it if I leave my job though? Do I just get whats there at that point? Do I only get back what I put in? Is it held somewhere?Also weve kept our finances separate entirely as weve seen no point in putting them together. Is there a benefit to this were somehow now aware of that makes people decide this is somehow a good idea?All this feels kinda scary, but the two of us are in a very good place to actually be saving money right now, and I know if I waste it Im going to regret it big time later on. We have an actual chance of being able to move and buy a house between the two of us, and Id like to be able to put money into some kind of an investment for the next 20 or so years at least.If you guys have literally any kind of advice for financial things including stuff I didnt talk about, Id love to hear it and appreciate it a lot. Thank you so much in advance!  <response>: You need a budget sit down list expenses ect for everything anything left over build up 6-12 month emergency fund. Then start looking into investments. 