re: Just got a new job making nearly 50k.

My advice as someone that was in your exact situation at one time:

1) contribute to your company 401k once you can
2) try to max out roth IRA

after that...enjoy your single 20s, don't horde too much, but also don't ball out every weekend

but every now and then, it is perfectly ok to go out with your guys and cringe when you look at your charges from the weekend