<human>: Hey everyone, I'm an MS1 (first year medical student) in the states. Never really had a financially savvy person in my life, so looking for feedback/advice. 

Fortunately for me, I have my hundreds of thousands of dollars of tuition covered via the Military route, as well as exactly $2,000 dollars (after taxes/net) for a stipend per month. 

My rent/utilities is $1048 per month, car insurance $125 (no car payment), groceries close to $250 and other (phone, gas, parking, girlfriend/money-succubus) is about $300

 I have $20,000 in savings and another $10,000 in a Roth IRA. Overall, my budgeting gets me REALLY close to the stipend amount. Just looking to see if anyone had insight as to budget better, or if I should just continue what I'm doing until I graduate in ~3 years and start making more professional level money.

Can you succinctly summarize the text in 1-3 sentences?
<bot>: No debt. $20,000 savings - Make $24,000 per year, but spend close to that just to live. Any insight?