You need to have a prioritized plan such as:
First 10% into Roth. (Invested in growth stock MF's)
Living Expenses (rent, utilities, etc.)
EF (4,400 is sufficent for now)
Setup house and auto funds.
Fun money.
Try to always live on 90% of your income first. (This will mean having a little less house, car, so on). Always pay your living expenses on time. Always make sure you have a EF 3 to 6 months of expenses.(Do not use this money for down payment money) Instead of borrowing to buy cars and other consumer goods, save and pay cash.(Set up high interest online savings accounts, for your EF, car fund and house fund.)
If you have an emergency, refund the EF before anything else, and so on in order of priority. Always live on a budget and always stick to your plan. Good luck.
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