<prompt> Human: After reading tons of posts here and doing my own research, I went ahead and organized my finances. Such a great sub with great information...thanks!Im 31, make around 80kyr. Here are the results:-Started using YNAB to keep track of spending.-Realized I was getting ripped off on my car insurance. Shopped around, got almost the same coverage for 90mo less.-Cut cable TV, saves 70mo-Bringing my lunches to work, saves about 150mo-Using the savings above, I raised my 403b contributions to be 10 of my salary 13 total...employer matches 100 up to 3.-Started a Vanguard Roth IRA and sent the maximum amount for 2013 to it in a target retirement fund.Now Im going to sit back and keep an eye on things and see how much I have left over every month and then possibly raise my 403b contributions more after my rainy day fund is where I want it to be. Or maybe wait til I can max the Roth for 2014 and then raise 403b contributions.Suggestions for betterment are welcome!  <response>: Cool. And also: come back to brag in the next Triumphant Thursday thread ;- 