<prompt> Human: So I had a quick question regarding this. I had accumulated a little bit of debt roughly 2,000 dollars but thats about it. I dont have any other payments. Ill break this down. 5 percent of my earnings goes to my 401k I have two mutual funds one Individual one and the other a Roth IRA I only put a 100 in each each month. The only debt I owe is a credit card of 2,000 I have regular monthly bills such as phone, internet, dog food etc. Im 29 When its all said and done, Im probably left with maybe, maybe 300 to spend which is a bit frustrating since I had possibly wanted to get a car down the road and, I figure, I cant afford a car when Im only left with 300 dollars every check. Also, thats not including gas, or if I even want to go out and eat. I feel like Im not putting enough into my 401k or even my Roth, what worries me even more is that, I cant really but any funds into my savings so, what are my options? should I maybe put less into my 401k or even Roth so I can start putting money into my savings? thanks in advance. Update Heres some additional information. On average my checks every two weeks are 1,600 Thats after taxes and after my 5 goes into my 401k Im in the military so regardless whether I work more or less hours usually more hours my checks will typically be the same. I tried to break it down. I make roughly 3200 a month after taxes.. These are my bills. Rent 900 Cell Phone 100 Internet 60 Netflix 10 Electric 150 Water 50 Gas 50 Dog food 80 Food 300 Gas: 200 Mutual Fund: 200 Credit Card: 200?? This would vary obviously, I want to pay it off right away but I also dont want to be broke when Im done paying my bills car insurance Im currently not paying anything since I have a credit but I think in about six months Ill pay paying 80 dollars a month So after adding all that up, I should have 700 a month left over, or 350 every check. Heres a few other things I might add, I have three vehicles and a motorcycle. An 88 Honda my commuter car and the car I drive the most since it gets the best gas mileage, a 90 Nissan which is gets 1920 mpgs and a 91 Toyota 4Runner which gets the worst gas milage, 17mpg I rarely drive this thing unless I need to haul more than two people I also have an 07 harley which I dont drive as much as I use to mainly due to the weather. The thing Id like to add is that all these vehicles minus the bike are all pretty old vehicles. For the most part they run fine but they all have minor things that I need to fix, which I can fix myself. For example I had to replace all the shocks and a few other things on my honda, when it was all said and done, I had spent almost six hundred dollars, I charged it to my credit card since I didnt have the money. The reason I had thought about getting a newer vehicle is mainly to avoid having to do so much upkeep on them. I try to enjoy my weekends, and I dont mind doing maintenance but, sometimes it bothers me knowing that Ive spent my entire weekend just working on my car. Im almost half tempted to sell my motorcycle which I could probably get 8 or 9 thousand for and use that as a down payment on a vehicle but judging from what Im trying to budget here, it doesnt seem like I could afford the 300 dollar car payment. I have a gf..I spent 60 dollars on sushi the other day, lucky for me, I only really see her on the weekends, but, in order for me to save money, I cant be spending this kind of money when with her. Sometimes I do splurge on food, sometimes I just get that itch to go through a drive through and spend 20 bucks on some junk food, this is something I need to stop obviously. My dad is willing to lend me the money in order to pay off my credit card. Like you all, he basically tells me how I dont want to be paying interest on this card and its best to pay it off right away, Im just really reluctant to have to borrow money from my dad but, it seems like I might have to. In terms of an emergency fund, I hate to rely on my dad so much but, Im pretty sure my dad would be able to help me out if worse came to worse. So thats the additional information. I wonder if maybe Im just paying too much on rent. I live in a two bedroom town home with me and my dog. Its just a bit of a headache.. I try not to spend my money all that much, I cant remember the last time I bought clothes, I dont have kids, I dont pay child support or anything crazy like that and yet, I feel like I cant afford to even have a car payment. I dont know how some people do it. It sucks being as broke as I am sometimes but, when I look at the big picture and know that at least some of my money is going somewhere retirement, etc it makes me feel a bit better. Update so after talking to my father, he said hed be willing to lend me the money in order to pay off that credit card just as long as I paid him back in a timely matter. I might even consider selling off a few things in order to pay him back sooner.  <response>: This is a friendly reminder to visit our FAQ entry on Retirement AccountsYou might also benefit from this common topic: I have X, what should I do with it?Also, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. 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