<prompt> Human: So, my year to date Gross pay is 29,644.00, but my Net pays is 20,202. Here is a rundown of my deductions from my most recent paycheck unless otherwise noted, all of these deductions apply to each paycheck:Federal Tax: 109.47State Tax: 28.50Retirement contribution: 149.76Medicare Tax: 20.64City Tax: 35.59 Deferred Comp: 30.00Union Dues 1x monthly deduction: 44.55Colonial Life supplemental insurance: 30.00Health Insurance Premium: 45.06I think the only things I could really change are the supplemental insurance and deferred comp. Im already claiming 2 on my W-2 with holdings, and am worried about going any higher and facing the risk of owing anything back later. I am single with no children. I dont know if it would be a stupid move to stop my Deferred Comp deduction for a while, since thats a contribution to my retirement. I supposed the Colonial Life insurance could be sacrificed, but its a backup short-term disability insurance, as well as cancer insurance if Walter White had it, he wouldnt have had to break bad. Opting out of being a member of the union wouldnt change the deduction because of Fair Share laws meaning even if I dont want to be a member they still collect the same dues, since I would still benefit from things like the same health insurance premium as a dues-paying member, and I think even representation during a disciplinary hearing. But I think I would get a small percentage of those dues back at the end of the year if I opted out. Any suggestions or feedback? I was hoping someone could lobby both sides of cutting out any possible deductions.  <response>: Dont decrease retirement savings. You should be contributing more unless youre aggressively paying down debt. 