<prompt> Human: Hi there. Ive gone from 60k to 95 and whilst that may seem like a lot - nz is very expensive to live in especially food and I am in the highest tax bracket - meaning my before tax is heaps my after tax isnt. I have a single dependent child which costs me around 1200 a month and apart from my bills and food costs which are around a grand most of my income is frittered away like an idiot. I have 13k in an interest free for 12 month loan and another loan of 5700 which needs to be paid by Dec before it incurs interest. Can anyone please give me advice? I dont want to be broke when Im old.  <response>: Save your money automatically, before it hits your account. Right now, youre living off of the 60k gross. Calculate what additional take-home pay you are going to see with the bump to 95k gross, and then have that amount automatically transferred to another account, the day every paycheck comes in. So, you never see it. This is now your savings account. 