<prompt> Human: I feel like Im missing some piece of the puzzle. I think I make a decent wage, have no debt besides mortgage and do not feel like my expenses are crazy but cant seem to make my money do what It should be. I can cover my monthly expenses no problem but I dont put anything into retirement and in general just feel like Im missing something. Yearly Salary: 75000After Taxes: 4484 per MonthI have no debt besides my house.Ive took a few college classes out of high school but no degree. My Wife has her bachelors in English which we paid for out of pocket.I have no retirement option at my job. Anything I do would be on my own.My Family consist of myself 28, My wife 27, stay at home mom and two children 2 yr old and 6 month oldRight now in my savings we have about 5000. It was about 10000 but we moved this past May and had kid 2 Kids are Great But wow are they money pits hah which knocked it down a bitMy Monthly Expenses:Mortgage: 1221 Health Insurance: 828 This was about 670 until January when it jumped up. Looking into finding cheaper insurance. It seems like the cheapest ill get this down to is about 700 to 750. We are all young and healthy. This will basically be the cheapest available planGroceries: 650Gas Bill: 40Internet: 40 Cheapest option in the areaWifes Cell Phone:95Wifes Gas for car:60Electric Bill:190 Life Insurance:71 Term Life insurance for me and my wifeSewer:30Water:65Audible:23 I do a lot of driving and enjoy audio books. Can and will cut this if need beNetflix Hulu: 17 Car Insurance: 33 Liability onlyDogs food: 30Kid Stuff: 200 Diapers, Wipes, Pull ups, Formula etcTOTAL: 3593I have a work vehicle which they maintain and pay 100 of the gas for. Also have a cell phone which work pays for.So That should, if all goes as planned, leave me 891 after the bills are paid. THAT seems like thats a lot of money to me. But it just never happens that way. We really dont eat out much. Maybe once or twice a month. My wife likes to have an occasional glass of wine but thats about it in the drinking category. Im not much of a drinker. Most of our entertainment comes from Netflix or friends - no expensive hobbies. Its mostly just... life. Wifes car has needed a few repairs the past few months, older child had pink eye, birthing children etc. It just seems like I can never commit the money to go into our future. Which I fully realize is a mistake Im just not sure what do about it. Do my bills look in line with where they should be for a household with my income? Is my mortgage way to high? Do I need to sell a kid? Im willing to get a second job if I need to.I know there are no magic answers. Make more or spend less. It should be simple.. I guess Im just hoping Im missing something.Edit: Formating  <response>: Also, look into the program You Need A Budget YNAB. I found it allowed me to really figure out where my money was going and where it needs to be. If you choose to use the tools they offer you will find a LOT of that lost money and actually move ahead. 