<prompt> Human: Hello PF! Will you please rate my finances? Im also hoping for advice on how I can do things better!28 year old single here in HoustonJob: Graduate student with 2100 income a month before taxes. Roughly 1850 after taxes.Accounts: 22k in my bank accounts Emergency funds 18k in my IRA 1.5k in my brokerage accountDebt: No debts at the momentMonthly general expenses: 330mth note on a 2014 Honda 13k left to payoff. 650 a month. This includes all utilities and services. 200mth for food. I cook all my meals. 65mth for health insurance insurance. 40mth parking Phone bill paid for by parents 50mth in gasTell me what can I do to better my finances PF! Thanks so much! I love this subreddit :D  <response>: Debt: No debts at the momentMonthly general expenses: 330mth note on a 2014 Honda 13k left to payoff.Sorry to tell you but a car note is debt. You have 13k in debt. 