<prompt> Human: I need help trying to figure out how to budget my spending, and what is an appropriate amount to save versus spend. My peers who make a similar amount as me either blow all of it, or literally pinch pennies and still live with their parents and eat rice and beans at home spending 5 a year. I dont have any healthy examples out of the people I know.Am I right to think that making this much at my age is uncommon?I feel like I am always stressed that my job will disappear and feel guilty when I buy nice things for myself even though Ive been working steadily for the last 2 years and gotten stellar performance reviews.x200B;Before tax I make a salary of 127k, Ive received 10k quarterly bonuses each quarter, and on paper I have 25k of stock options each year. I dont have access to a 401k plan.I already have an 8 month emergency fund.x200B;Monthly Spend:Rent - 1260Utilities - 100GroceriesAlchoholRestaurants - 550Gym - 210Phone - 65Car Payment - 610 Got a loan for 41k 3 6 months ago and have about 21k left on the loan, Ive been making lump payments above the minimumGas - 150Insurance - 250Investments - 700 Usually put in lump sums above this monthly amount toox200B;x200B;x200B;  <response>: If you are always stressed about losing your job I would suggest a health size emergency fund. Also fund your IRA. 