<prompt> Human: I make 100 to 110k a year with my wife making 20-30k. We have around 3500 a month in Bills total.Every month we seem to only save 1-2k when we bring in 7-9k take home. What should my first step be to make a plan?  <response>: This is the most common question on this subreddit along with the most common answer. Make a budget. Period. Full Stop. You can never make improvements if you dont have the data that tells you where your problems are. 