<prompt> Human: So my wife is pregnant with our first and she was laid off in march and unemployment ran out. She nannys but that income is only about 800-1k a month. Im in sales and my income fluctuates but basically since her unemployment ran out and shes 7.5 months preg we are on 1 income. I bring in anywhere from 4-6k monthly but we have 5k in monthly bills. Our savings has been destroyed by stupid spending habits and getting ready for the baby.The stupid spending has stopped when things started getting tight and it seems like my paychecks have been break even at best.I have at least 30k in an old 401k from a previous job. As terrible as it is to say I dont think I will ever retire. I have too much debt and I feel like the system is set up for failure for my generationthats a whole different story. Any advice?Edit: Combined monthly billsMonthly car payments- 900Student loan payments -750Rent - 2000Cell Phone - 200Credit card - 200more than min monthlyCableinternet - 200Utilities - 300Grocery - 300Miscellaneous - 200Things I know already- my car payments are too expensive, Comcast is expensive, student loans suckand have already been refinanced. I dont need to be scolded about my spending because the guilt i feel is far worse than what you say. Im just a guy trying his best and trying to support my wife and soon to be born daughter. I appreciate the advice.  <response>: Your savings was destroyed by stupid spending habits and then you determined that the system is set up for failure for my generation?Advice? Budget and be frugal for a while and do not touch that 401k. 