<prompt> Human: So Im about to graduate and start work making 63k. I have no debt, no car living in a big city and taking public transit to work, and 22k in savings right now. Im assuming after taxes, my take-home would be about 45k. I wanted to max out my Roth IRA 5,500 and a 401K 15k my companys help. Those 2 alone are nearly 50 of my take-home, is that wise to do? After doing crude rent, utilities, transit, groceries, haircut, gym, and laundry expense estimates, Im left with about 750 in disposable income each month. Going out and misc. will eat a chunk of that, but unless Im saving for something short term, is it OK to have that little disposal income? Am I not making enough to be maxing those out yet?Thanks in advance for any and all responses!EDIT: as uToBeFrankenstein pointed out, 401k is pre-tax so after factoring that in, my monthly take home would be about 1,000. Better, but I still have the same questions.EDIT: also will have to bump up my 401k contribution to 18k. A few of you pointed out that my companys match doesnt count towards the 18k max.  <response>: That sounds like youre in great shape, to me. Considering you have a substantial amount in savings that is highly liquid in case of financial emergencies, I dont see a problem with having that little disposable income as long as you feel satisfied living of off it. Money that you stick into your Roth and 401K has the potential to grow exponentially in the long run, so contributing now means that you will probably still be on track for retirement even if you arent able to contribute as much in the future due to job loss or new monthly expenses. 