<prompt> Human: I am a 19 yo almost 20 and my salary will finish at around 60-65k this year. My expenses include rent, car, insurance and utilities, etc which add up to around 1100-1200 monthly. 20 of each paycheck goes into a Roth but I still always have money left over every month. In a regular savings account I try to keep around 8-9k with 1-2k in my checking account. Im wondering if the best bet is to invest the remaining of the money or to just keep saving it for a rainy day. I already have over 500 post tax monthly going into my Roth but is there something more I could be doing with the extra cash? Im trying to cut down on my food expenses I eat out A LOT and what not but I dont know how to budget or what the next step should be from here. I just want to make the best decisions now so its easier for me later.  <response>: If I woke up tomorrow in your shoesId put like 3 into a goof off trip fund and once a year drain it 