<prompt> Human: I just cant seem to figure it out. I know the idea is to spend less and save more, but something is missing.I make around 90k a year before taxes around 25 tax rate. Im living paycheck to paycheck and have been since I made 6 an hour years back. I just cant seem to get this right.My monthly expenses are:Mortgage: 1100 3.79 rate for 30yr 160kishUtilities: 350Insurance: 150Car payment: 365 0 on this car, other paid offCredit card: 90 4.5k 10Student loan 230 21k 6ishGroceries and consumables: who knowsInternet and TV 80 total - cant go lowerSo yeah, wtf? I made it financially before when I was making far less... Now we have a larger car payment than used to be 200ish and added student loan and our mortgage went up by 350, but that doesnt account for the rest of it... Not even close...How the hell do I stop my bank account from getting under 50 right before each payday? How do I build savings? I have none. I do have about 50k in 401k, but I dont consider that real money and I refuse to touch it in any way no matter what.Im throwing myself at the mercy of people smarter than I... Guide me!  <response>: Groceries and consumables: who knowsThis is your problem. You need to know where every is going.You need to track where every is going first. Then you need to figure out where to cut. You can use tools like Mint or YNAB to help.What is your NetMonth? Around 4500m? You expenses are 2365m. Where is the rest of the money going? 