<prompt> Human: My first job out of college with no savings making approx 60k.Unfurnished apartments average around 900 including utilities. Furnished apartments average around 1300 including utilities. Is it worth eating the extra 400 a month so I dont have to buy a bed, couch etc?  <response>: Not unless you dont plan on living in that city for very long. If you buy a bed for like 600, couch 600, TV 600, desk 200, chair 100, table and chairs 500 youre looking at 2000. Thats 5 months of the extra rent cost and you get to keep those things forever. Also, those cost estimates may vary depend on how nice or cheap you go. If you go used on a couple of things probably not the bed youll get better deals. If youre in a college town look to buy up all the things that college kids are leaving behind. TLDR: Unless youre going to be moving far far away in a year or less go with unfurnished and accumulate the furnishings. 