I am 23 and so far I have to say i have no idea wth i am doing and i hope with some detail below, this community could help me with better allocation and give me more ideas on how to maximize my savings.
I am full time student with less than 18 months left to complete a dual BS and i work full time (well 32 hours that the company consider full time). I anticipate i will have about 20K student loan debt being paid monthly after 24 months with APR @ more less %4
Debt/Obligations
Sallie Mae Loan, $6843
Rent, $300/monthly (i feel i can run this for the next 24 months or at lease the next 12 months)
Phone, $150/monthly (sprint, still with contract, really need to get rid of it)
Auto, $100 (insurance) $200 (gas)/monthly
Food, $250-$300 (grocery/takeout)/monthly
Misc, $50-100 (random spending,close,shoes,soap,etc)/monthly
Asset!!??
Liquid @ BoA Checking/Savings 5K
Aon Hewitt - current employment 401(k) my contribution is %8 before-tax and %8 roth twice a month (not the most well paying job but it will work for the next 36 months, been with company less than a year and after 3 years of service i will be fully vested in their pension, i do not really know how that work but i know if im %100 vested they'll pay me a lump sum and the monthly annuity)
VBTIX @ 14.322200 Holding
VIIIX @ 49.623068 Holding
VEMPX @ 19.725005 Holding
VDIPX @ 12.769669 Holding
Fidelity - old employment 401(k)
66586W417 @ 12.911 Holding (Northern Trust S&P 500 Index Fund - DC - Non-Lending - Tier Three)
66586W615 @ 3.623 Holding (NT FOCUS 2055)
PHIYX @ 44.391 Holding (PIM HIGH YIELD INST)
TP1T @ 43.212 Holding (LARGE CAP GROWTH STK)
TP1U @ 21.766 Holding (LARGE CAP VALUE STK)
USAA - my first "investment" account
UFSGX @ 112.532 Holding with $50 monthly contribution
Vanguard
VFFVX @ 30.684 Holding
What i need now???
Any feedback is better than no feedback so please feel free to let me know if my current spending/suggestion is really *stupid* antimustache, the more collective feedback, the best it will be for me to make changes and improve my outlook. Thanks! :)