<prompt> Human: A little background: I just want to see where we can make the budget a little more accurate or add anything extra that that I forgot. I dont think theres much I can do in terms of reducing any costs outside of eating out which we make enough to comfortably enjoy this activity. I havent included things like clothing, toys, etc. because we rarely buy them, and when we do, we go to the thrift store and spend under 20 for all three of us husband, me, 22 month old.Our monthly income totals to 11,483.33 per month and after expenses, and that leaves us with 4,172.08 to spend on extras, including clothing, events, savings, rainy day, etc. I have no idea WHAT else to do with this extra income. My husband has started putting it into bitcoin and trading crypto. HousingRental mortgage 1,050.00Mortgage 21,550.00Gas100.00Water50.00Electricity100.00Property tax300.00Total:3,150.00VehiclesFuel295.00Car payment 1255.00 At 2 interestCar payment 2275.00 At 2 interestCar insurance110.00Car taxregister50.00Total:985.00TechnologyADT60.00Internet80.00Cell phone110.00Netflix15.00Amazon Prime9.00Total:274.00FoodMisc.Medicine105.00Groceries300.00Eating out400.00Pets40.00Total:845.00Misc.Childcare600.00Student loans200.00 Am current grad studentTotal:800.00PaycheckTaxesMedical401K350.00Federal taxes501.58 Based on 2017 taxesState taxes405.67 Based on 2017 taxesTotal:1,257.25Total:7,311.25 per month expenses  <response>: I mean, I can try and nitpick here and there but if youre coming away with 4k per month surplus, youre doing pretty good. If youre looking more for advice on what to do with that 4k, then then the basics still apply. 3-6 month emergency fund, you could pay off your student loans more aggressivelynot take more out and pay for school out of pocket, max 401k since 350month is only 4200year, max HSA if available, max Roth IRA may have to do backdoor Roth at your income, and then other savingsinvestments. Crypto is pretty much just gambling, and you have money to spare to play with so if your husband enjoys doing that thats fine, but I wouldnt put all of your investments there. Once youve maxed all tax-advantaged retirement funds, then start using a taxable brokerage with Vanguard, Schwab, or Fidelity to invest in index funds. If you have any wants that require saving, start a savings account for them. You might also look into funding a 529 or some other account for your children. At this point its really all about your priorities.As for the nitpicking: 400 on eating out is a lotAnd you know what thats really it out of the things that you can control. Most of your expenses are pretty reasonable andor unchangeable. Its also not like you cant afford it or anything. 