My 2022 Money goal is to be more organized managing my money.  Being done with grad school and working a stable job I want to plan ahead.  Now already past 30, it's not too early to pre-plan about retirement.  Graduated from school is good (and not in debt) but save for buying a house or moving to a more affordable place to live.  How much cash do I really need... to spend and not to save? I want to be smart saving money, smart to invest money and smarter to spend money! Considering all factors, my age, employment status, employment type, cost of living, state of residence, life expense, etc.  what would be the smartest thing to do at this time and place in my life.  2022 be smart with my money