<prompt> Human: Alright so first things first.Net Income: 3200 a month. 1600 bi-weekly 26.50hr at current jobExtra Income: 1400 GI bill BAHAmount in bank: 11,500Monthly expenses: Rent: 650 I share a home with two people. Rate includes utilsinternetetc. Car Insurance: 100 Its paid every six months but I count the amount I pay per month over that period Gasoline: 100 Groceries: 300 This includes non-edible consumables TP,Toothpaste etc Meds: 8 VA healthcare Car Payment: 150 4000 owed Cell Phone: 80 Sprint FUN: 100 Rarely actually spend this as I am trying to be cheap as possible. Really only use it to buy food or things for GF Parking fees: 20 I pay 5 every Thursday to park at my college Netflix: 9Total out: -1517Total in: 1683 WithoutTotal in: 3083 With GI billNo my job does not offer 401K or matching. No I dont have any form of a retirement account. Back round I am 25 trying to validate being able to afford my own apartment. But going from my current living situation to an apartment would minimum increase my rent two fold. I dont feel comfortable only saving 1000 a month. Im not sure where budget wise I can improve any advice is welcome. I dont eat out I cook all my own food generally my groceries are 60 per week.  <response>: You are not failing at life! You are saving up, have a steady job and awareness of your budget. A lot of this decision will have to be based on what you are comfortable with, but saving 1k per month is not bad for a 25-year-old. 