<prompt> Human: I suck at budgeting and tracking every penny. I have 2 jobs and put 30 of whatever I make in ally bank because I dont trust myself with money in my checking account. I can pay all my living expenses after that 30 saving. Dont have much in retirement 401k only which I make my employer match. Second job is cash. Im 29 and make 3700month net if that makes a difference Do I really need to budget? Based on what Im reading on this sub I feel really bad eating out or buying drinks, I dont feel responsible.  <response>: I think you are doing just fine if you are saving 30 of your income provided you have taxes taken care of in your cash only job. If you hit 6 months income in emergency savings, up your retirement contributions and make sure you are making more than the 1 or so that Ally offers by investing in a target date fund or index fund so your savings can grow. At 29 you can make some huge strides in retirement or financial independence whatever you want to call it savings if you invest. The caveat is your cash only job is going to absolutely destroy you if you get an IRS audit and you havent paid taxes on that income. 