So I have my first job and I'm trying to figure out how much money I should be saving. Ideally I want to save for 1) Longterm- retirement 2) Graduate school 3) Emergencies How much would you reccomend for each? I'm 23, single, and generally live pretty cheaply. What can I do to make my savings go farther? CDs seem pretty silly at the moment as interest rates SUCK.