<prompt> Human: Hi-Wanted some advice on how I should be approaching my personal finances going forward. Some background: Graduated from a decent University, worked as an investment banker for the last 2 years and transitioning to a Corporate, less paying job for the next 2 years until business school.As a banker, I was making 70kyr a bonus of 40kyr; however, living in a place with a high cost of living NYC, I barely scraped by on the salary living month to month but was able to bank a lot of my bonus.However, my new corporate gig, although it has less upside in terms of salary growth 110kyr, should provide a bit more sanity for my personal life. This, combined with my move to LA, should drive down living expenses a bit.I do have business school on my mind, hopefully in the next couple of years, and was wondering if my asset allocation as of now makes sense, and where I should be sending additional dollars of savings. I currently contribute 15 of every paycheck to my companys 401k plan. However, it is a pretty weak 401k no matching, mediocre investment options, so that is why I am relucatant to contribute the max to get to 17,000. Additionally, I am contributing every week via automatic withdrawal to my Roth IRA at Vanguard, maxing out at the limit this year. In addition, I am also contributing 200 a month to a brokerage account, where I use this as a bit of play money, investing in ETFs and individual stocks. Lastly, I contribute 250month to a 529 account I just started, with hopes of using some of that to pay for business school.Here is my current portfolio allocation:28,000 - 401K from previous employer holding 10 PIMCO Total Return, 70 Vanguard Institutional Index Fund mirrors SP, and 20 Vanguard Emerging Markets Index Fund8,700 - Vanguard Roth IRA holding 50 Vanguard Small Cap Growth Index VISGX and 50 Vanguard Emerging Markets Fund3,500 - Fidelity Roth IRA holding iShares Emerging Markets ETF11,619 - Fidelity Brokerage holding 10,000 in DLTNX as a emergency fund; didnt want to put it into CDs or low rate bonds, DLTNX has been very stable in price until recently so starting to rethink if it is a smart strategy to put my emergency fund into it..., 1,100 represents my play account where I hold a variety of stocks and ETFs including Apple and some commodities plays2,000 - New employer 401k terrible investment optionsIm wondering if I should continue to max out my 401k, or if I should contribute more towards a 529, given how poor my investment options are and how business school is looming.Additionally, just wanted some general advice on how I can cut down on my living expenses, as I know I am making quite a bit of for a 23 year old with no student loans and no family, but I just cant seem to save the amount of I would like to. Rent is a big factor currently paying 1,500month all in, but outside of that, it just seems like expenses always pile up car ownership in LA, various gifts for friends, food costs, entertainment, etc and it is hard to end up with much saved at the end of each month.Thanks for the help guys!  <response>: Your title reminded me of old days of MSN messenger. 