<prompt> Human: 38MNot really saving much for retirement and struggle to meet my monthly budget. I look to this wise world for advice on what I should be doing for my situation. Single income household. Wife works, but is negligible and doesnt contribute. Hence why I spend largely to make up the difference. Currently my 401k is a non-elective contribution. Guide me in the ways, wise world and teach me the things I should already know. Spend less, save more... I feel silly even typing this summary out. Assets:Cars: 50,500Home: 20,000401k: 14,026HSA: 5,609Cash: 15,821 Total: 105,956 DebtsBudget mo:Car Insurance 180Car Payment 483GasFuel 217Car PartsMaintenance 250Internet 71Phone 68WSG 190Student Loans 169Entertainment 35Food 489GolfSports 138Home Impr 150Mortgage 1,550Mortgage PMI 200Hair 18Shopping 400Uncategorized 150 Total 4,758 Income:Paycheck: 5,566mo Post TaxesIncome-Debts: 808mo Budget overages:February: 183January: 898December: 83November: 56 Most of these are things that arent accounted for vacations or unexpected events splurges. On average my bank account stays pretty static, some months upsome months down.Assistant: You are living beyond your means. You make way more than most people do and splurged on everything expensive and now, you cant maintain your lifestyle anymore. You need to scale it back. Human: Was the dead giveaway the fact that his cars are valued at more than his 401k and house combined? Lol Assistant: I grew up poor and homeless many times in my life, so I put a lot of my early money in things that were close, what I knew and pretty liquid. Just bought the house a couple years ago.  <response>: All due respect youre now 38 years old. Those poor early money decisions should have been fleshed out 10 or 15 years ago. 