<prompt> Human: Hi rPersonalFinance. Im pretty new with managing my own money and would love to hear an assessment or any advice you might have to help my situation. Im 23 years old and Im working as a salaried employee at an accounting firm.Income: 2760mo after taxes and deductionsRent: 740. Includes all utilities, internet, and cableStudent Loan: 441Car Loan: 278Gas: 230Groceries: 300Entertainmenteating out: 200Car insurance: 100. Just bought a new car, so Im still shopping around advice here would be awesomePersonal loan payment: 300. Depending on how I did that month.Gym: 30Edit: Just called the student loan company. Apparently I have been paying too much monthly and they adjusted down to 286. Not that it changes much.  <response>: I would not be comfortable having barely 100month left over between income and expenses.Hopefully youre putting that in a savings account of some sort. 