<prompt> Human: Okay so as the title clearly states I just got a decent job making 37,440 a year. I have no debts, I own my car and pay 105 a month for insurance. I live with my family for the time being and I currently reside in New Jersey. I have absolutely no money management skills, and nothing looming on the horizon that I truly want other than an apartment. Any advice on what to do?  <response>: Dont know COL for your area. Is 37k enough to live on your own? Seems like it would be cutting it extremely close for most areas. An apartment may be unrealistic on that salary. I would keep investing in yourself and improving your value proposition so you can demand a higher wage. 