<prompt> Human: Hello All,I am a 22 year old who just graduated from college this past spring. I currently work in NYC making 74k per year but taxes and union dues take about 30 percent of that. I was wondering if I should splooge my money on a very nice apartment or if it would be better to save to make an investment. I do not have any debts to pay off. I lived a relatively frugal life until college where a lot of savings were spent. Now Im wondering if I should upgrade my standard of living a bit and if there is any purpose in saving money at this early point in my life.Thanks.  <response>: this is a no brainer. save money. 