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[quote=Anonymous][quote=Anonymous]OP here.

No 401k match yet. Im a contractor, I get that in 6 months
I save about 1k a month. Id love to save more though.

My month also goes towards entertainment...going out to eat, concerts, games occasionally. 
I have deferred my loans for now cause Im in grad school paying tuition.

Savings are very minimal. I was unemployed for about 2 months. and had expenses rack up.
Savings- 4k
Checking- about 500
No 401k contribution yet, no cash under mattress, no investments.

I want to do better.[/quote]

- 401k match is different than 401k contribution.  Are you saying you don't contribute any?  If so, you should start ASAP.
- Without 401k contributions, your "take home" seems too low.  Can you itemize from your most recent pay stub how you get from $8k gross to $4800 net?
- You still haven't answered where the remaining $1800 goes.  You said you save $1k/mo, so where is the other $800 going?  
- If you save $1k/mo. how is it that you only have 4500 in savings?  Even if you were unemployed for 2 months, if you were really saving $1k/mo you'd have something to show for it.

I think you need to do a more honest/accurate assessment of where your money is going.  I don't think you have a good grasp on what your spending really is.
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