I felt this graph illustrated how your savings should look pretty sufficiently. Sadly, rent is indeed 30% on here (It's New York! What'd you expect!?), although nationally, most people recommend it be about 24% of your income.
A good place to start with personal finance is I Will Teach You To Be Rich. This is a great blog with a lot of great tips in regards to investing your money and working through tricky money situations. Currently they are running a "Save $1000 in 30 Days Challenge" which would be a good time to implement if you're looking to save a little cash. Everyday (this began Nov 1st) he'll be listing out a new tip. He's on tip 7 (although he should be on 11, but he skipped over the weekend). Some of the tips may or may not apply to you, but they are still some good ideas to save even just a little bit of cash. Anyone should practice a little frugality in a poor economy. It's a safe and easy way to "prevent" any money disasters.
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