<prompt> Human: Hi PF! Ive been lurking for a bit and am now moving from being a poor grad student to a 6-figure salary. I managed to survive entirely off my grad stipend and ramen, so the only debt I have is from undergrad self-financed. I was hoping to get some feedback to make sure Im on the right track.I have setup the following budget based on the CNBCs old budget calculator for a base salary of 110k with a 10 bonus. I get a 5k sign-on and was planning on putting that entirely toward my student loans too minus 500 for moving costs and apartment fees. Item Cost Reason --------- Housing 1800 High cost of living in a city Transit 100 Pre-tax public transit account Food 400 CostCo bulk Household Bills 100 I have the cheapest internet and cell phone plans 27k student loans 2000 said Id be paid off in a few years Retirement 1800 Max out 401k and IRA Total 6200 400 leftover for extra Following , after I pay off my student loans I was planning on devoting everything to savings and investments. Dumb Questions- My company matches 5 of the 401k. Is this up to the 17.5 max or after? If up to, my monthly toward retirement would be a bit less, right?- I read Your IRA and You but Im still confused about Roth vs. Traditional. It seems like due to having a high income I should choose Traditional. But if I max out my IRA and 401k now, Id be in a higher income bracket by age 65 29 currently.  <response>: Im concerned about the household bills category and the fact that youve only devoted 100 to it. What all are you putting in this category? You mention internet and cell phone but it wasnt clear if those were the only things there. What Im asking is where in your budget do things like toilet paper, cleaning supplies, personal hygiene, renters insurance etc. fall? 100 a month wouldnt seem to be enough for internet, cell, plus all the other household type expenses. 