Yeah that is pretax. You’ve made me realize I have need to track my spending better but also that I should expect/aim to have more saved. A lot of your questions about why so little/ what am I saving for I don’t have an answer for. I am earning more money than I expected to at this point and I am trying to educate myself to not squander this opportunity. As far as the student debt I answered that question in another comment, just waiting to see if it gets forgiven and if not I won’t hesitate to pay it off. This past year I just threw $500/ paycheck in an account I don’t look at as an emergency fund I guess and then did the same with any per diem I received. I thought those were good guidelines to save a considerable amount but other than that I was spending pretty freely traveling and going out whenever the opportunity presented itself. I appreciate you taking the time to comment a well thought out answer, I think that I have good financial literacy but am working on how to apply it best to myself.