<prompt> Human: Hi all, using a throwaway. My fiance and I are soon to be married, and I would like to approach marriage with a fresh household budget. Two late 20s working adults with one elementary-school aged child. We occasionally go out, but are mostly home-bodies with hobbies that keep us around the house. Please take a look at the below budget and let me know if you see any glaring holes or inconsistencies: Net Income 5,759.70 Mortgage 1,512.00 Electricity 240.00 Water 70.00 CableInternet 145.00 My Truck 575.00 My Insurance 133.00 Her Car 307.00 Her Insurance 70.00 Debt Payments or Land Payment 0 Child Daycare 250.00 Life Insurance 70.00 Total Fixed Expenses: 3,372.00 Truck Fuel 250.00 Car Fueloffset by work mileage checks 50.00 Groceries 350.00 Eating Out- DinnersWeekends 135.00 Eating Out - Lunch 80.00 Entertainment 100.00 Misc Spending 300.00 Total Variable Expenses 1,165.00 Total Expenses: 4,537.00 Savings 1,222.70 Monthly 401k Contribution 918.58 Edit: This was really interesting. By most accounts, saving over 1kmonth cash plus 15 to 401ks seems pretty good in relation to most other Americans. I think this is a good example of how incredibly conservative this sub can be, and that a lot of the advice here should be taken in stride. Priorities folks...  <response>: That truck payment and gas combo is steep 