<prompt> Human: Hey all. I just turned 26, finally have a job that I know Ill be at for awhile. My financial situation isnt terrible, but it could be a lot better and Im looking for feedback on what I can do to improve.IncomeI currently make 45,000 a year, roughly 1,285 bi-weekly after taxes. I currently have 4000 in savings, and put 1637; of my income 600 a month into my personal savings account. I have about 4000 in my 401k as well, and put 837; of my earnings there 300 a month. I also have about 700 in an Etrade account.I know my 401k is not where it needs to be. After college, I worked at a startup that did not offer 401k benefits. I didnt think this would be a big deal, but its definitely caught up to me a bit. Should I put less into personal savings, and more into my 401? Or be putting in more than 837;, and keep my personal savings at 1637;?I also work as a freelance marketer, but its extremely minimal at about 180month. I put that directly into my personal savings as well.ExpensesIm pretty lucky to have minimal expenses and no real debt. My parents loaned me money for college, and I owe about 28,000 left with no interest. Im very fortunate.I currently pay 500 for rent and utilities for a bedroom in a house, where the average 1 bedroom apartment costs about 1200month to rent. I pay my parents 400 for tuition. 85 for car insurance. 35 gym. 150 a month for groceries, and 50 a month for gas. Im fairly sure this is all my necessary expenses. That leaves me with about 750 a month after expenses.I paid my car off about 6 months ago. It needs about 1000 in repairs, but not sure if its worth it. If it didnt need any repairs I could sell it for around 2000. Im considering buying a bike so I can save some money on gas and car repairs. I could bike most places from May-September in the city I live in.This month, Im going to actually budget my money, and Im curious to see where most of it goes. I go out at least once a week, and try to limit myself to eating out twice a week. Id guess I spend about 250 a month on going out.I also spend quite a bit on concerts and travel to get there. Though it isnt every month, if I had to spread it out for each month, I would say 150 goes to these funds on the high endCredit ScoreCredit CardsI got a credit report about a year ago and Im in fairly good standing. I know Credit Karma is not necessarily accurate but they report my score being 750. I have never had my own credit card and am looking for one to use exclusively on groceries and gas. Whats a good option. Been looking at Cashback cards, or a Southwest Card although I dont travel often.Any advice in these areas would be greatly appreciated. I thank you in advance.  <response>: You are doing good.Here are some suggestions:1. Open a Roth IRA with Schwab, Fidelity or Vanguard, put all your freelance earnings after tax in there. You might as well get these into a tax advantaged account.2. I would keep putting 600mth into savings for 10 more months, until you have 10k in there. Call that your emergency fund and switch to investing.3. Once you have built your emergency fund, switch half of those savings 8 of salary, into your 401k, about 200mth of those savings into the IRA, and the remaining 100mth either into E trade, or into paying back your parents faster.Good luck. 