<prompt> Human: 26, M, NYI currently make about 40k before taxes in NY. My paychecks come out to about 1250 on the 1st and the 15th of the month. I pay about 950 for rentutilities, then another 500 for student loans, 110 for cell phone my and my mom 120 for Metro Card, and this leaves me about 500-800 per month for expendable income. I have no savings and about 40k of student debt. I use YNAB as a personal finance tool and I love it and plan to stick with it. I just landed another job where I will be making 90k w health insurance. Im wondering what kind of changes I should expect and plan for? I dont want to end up making some kind of costly amateur mistake.  <response>: Anytime you get a raise especially a big one like this, do everything that you can to avoid letting your lifestyleexpenses change. Its a lot easier to upgrade your lifestyle than it is to downgrade it. I faced a similar situation a couple of years ago salary doubled pretty much overnight. I increased my 401k contributions significantly, and then set direct deposit to dump the remainder of the increase into my savings account. Over time Ive added a few little things here and there that have increased my cost of living and overall quality of life, but for the most part I still pretend that I earn the low pay that I was making before this job. 