<prompt> Human: Here is the break down:Husband makes 60,000 - Bringing home 2050.00 twice a month 3 times on those rare occasions. I am a stay at home parent with our two year old and one on the way. I make money here and there doing typing and tax prep. Still, I would say 4100.00 a month is a solid amount.1. 315.00 Health Insurance2. 120.00 Cellphones3. 60.00 Internet4. 150.00 Electric5. 80.00 Water6. 60.00 Auto Ins7. 100.00 Payment for dental work 750 remaining balance 0 interest8. 42.00 Dental Insurance9. 10.00 Spotify10. 51.00 Home alarm11. 200.00 IRS 8,300 remaining balance 0 interest12. 70.00 Life Ins13. 8.00 Hulu14. 13.00 Netflix15. 1050.00 MortgageInsProp Taxes16. 100.00 Bank of America 6500 remaining balance 10 interest17. 50.00 Paypal 1700 remaining balance 25 interest18. 50.00 Chase 1950 remaining balance 0 interestFor a grand total of 2529.00 per month in bills.Our deductible is 6,000.00 which I have met 1100 of and requires us to pay at visit for our prenatal. That is running me another 250 a month right now. Our budget is as follows:BILLS: 2529.00 MEDICAL: 250.00 FOOD: 450.00 GASAUTOTOLL: 100.00 ENTERTAINMENT: 150 OR 75EACH CLOTHES: 50 BABY EXPENSES: 60 diapers, doctor, etc SAVINGS: 200 HOME MAINTENANCE: 50 UNEXPECTED EXPENSES: 100 211 LEFT OVER. As of today, we have 2400.00 in savings. Ive looked over this time and time again and I dont see anywhere that I can really cut corners other than dropping our entertainment down or possibly food. Id really just like a second set of eyes on this to tell me if Im doing things best I can. I appreciate it. Also, sorry for the crappy formatting. Also, I have mint, have used YNAB, etc. edit: formatting  <response>: Something that Im not seeing is retirement savings you may not have it listed, but the difference between take home and what your husband makes is 6700, which Im assuming is taxes so not retirement savings. That will be a real worry later in life. 