<prompt> Human: I live in Texas, have a young child, am divorced, and work as a lawyer making about 70kyear.I exited lawsuit school with 169k in debt after a consolidation. It has swollen to about 191k. I am on an income driven repayment plan that used to take about 12 of my monthly net, but now is recalculated to take about 25. I want financial freedom. Here are the areas of my spending: I net about 4kmonth I am paid every other week; 26 paycheck year. My monthly expenses consist of 1 rent: 825 for 21 apartment-median rent for my city is 1100; 2 child support: 530, and it is indexed to my income so any raise and drop should be reflected; 3 student loan payment: 280, but it was just recalculated to go to 530; 4 bills: Storage Unit-73; Car insurance-83; phone-35; electric-80; Internet-41.5 car payment: 280With the remaining amount, I pay for gas, food, recreation. If I could identify my worst areas of spending I would say lunches during work time downtown setting which can easily add up, and I also have been using nicotine lozenges which cost about 20 every 10 days.The things that keep me up at night- I need some dental work. I havent had a normal doctors visit in 7 years. I need a new pair of glasses since the last time I got a new pair was 6 years ago. I need to get typical maintenance done on my car.If I wanted to pay my student loans off in 10 years it was require me pay almost 2kmonth for the entire period. Maybe ill have that kind of money, but Im no where near it yet. My credit score is near 650. I have a couple hard pulls from the last time I went looking to rent a new place. I got in touch with a company to see if buying a house would be an option, and they did two hard pulls even though I told them not too. I have 100 on-time bill pay history. I have a 10k line of credit through my bank. And I bought a phone a while back through google and have a 2.3k line of credit with about 100 left owing.I dont have a credit card. I dont have retirement account.I want to own a home and get rid of my student debt. But both of those seem like impossibilities. I have started cutting back on my food spending and keep sandwich ingredients at work. It has been very helpful, but it wasnt the panacea I was hoping for.Where do I begin? I want to consult a financial planner, but I dont have the money to hire one. I make less as a lawyer than I thought I would, but I make a competitive rate for the area of the countrystate I live in. I have to stay in this area if I want to be a part of my childs life.  <response>: Some simple napkin math on your incomeexpenses doesnt add up. You are probably spending a lot more on gasfoodrecreation than you think you are.Setup a budget and give every dollar a job, and then track your spending very carefully, there is 1500 per month that is not accounted for. 