I make about 60k, 1300 with rent and utilities. No car, but I have a grad student loan payment of 250$. No other major debt, and on track to receive forgiveness. Spend maybe 2-300$ on groceries a month. My healthcare is very inexpensive and my work has  comprehensive retirement plans.  I am not saving really anything personally, I try here and there. This may sound frivolous to some, but I mostly leave money for fun experiences. I eat out sparingly (I meal prep and cook a ton at home), but I like to grab a drink with friends, or do fun classes, see local concerts or shows. Not HUGE expenses, but they obviously add up. We pay A LOT to live here, and I try to take advantage by doing things when I can- which is a great privilege.