<prompt> Human: I know obviously this question depends on so many factors but Im trying to get an understanding of whether my spending is reasonable or not. 3kmo includes insurances, recurring payments, etc. pretty much everything except my mortgage is billed to this credit card.  <response>: Probably shouldve found an older spouse.But as uDelightedWarship mentioned, we dont have enough info. Is your spending as high as it needs to be? Are they some things you can cut back on? 