<prompt> Human: I was going through our familys budget and realized we are spending more than we earn. Im looking for some guidance because we need a new car with another child and Im trying to see if it is something we can afford. The income is after-tax, after insurance is taken out, etc. All numbers are per month.Income: 6,660Mortgage: 1,300Childcare: 1,200One car payment: 390Utilities: 190Carbusiness insurance: 180Cell phone: 130DirecTV: 125Gas:125Charity: 86Union Dues:74Life Insurance:70WaterSewerTrash:75Cable:35Roth IRA:917Brokerage:217Cash Savings:433Emergency Savings:217Kids college fund:134Total spend of non-savings is 3,900Total with savings is 5,850You can see this does not include food, clothing, shopping, or other misc.Are we saving too much for our income? Short of getting rid of cable there really isnt a lot cut other than savings.Help!  <response>: Well, youre saving about 13 of your income, which is really good considering you have a kid to take care of. About all that I would suggest is getting rid of cable and reducing your charitable giving until you feel comfortable. 