<prompt> Human: Family of 3. 29, 32 and a 2 and half year old. One incomeIncome-100kHealth and dental-975 a month401k contribution-250 a monthwith 3 matchTake home-5.2kafter deductions and taxesSpending-Mortgage-2kedit-Mortgage is for 225k it is a 15 year loan at 3. We have 8 more years left. Homes worth 325k. Owe 142k currentlyUtilities-350Cell phone-170both just replaced phones in July and sept after 4 years of using same phones so cant lower thisInternetcable -140Car insurance-150Preschool-3502 more years she only goes part time 8:30-12 3 days a weekGrocerytoiletries-500Out to eat-100usually 3 times a monthActivities for daughter-75Clothesshoes-75Dogs-70shots, food,kenneling when travel averageTravel to visit family-200averageGifts-50averageGas for cars-100Doctorsmed-50averageSpotifyNetflix-20Home maintenance-300averagePersonal property tax on cars,car maintaining, tags-150averageSavings-200will need a new car in a few years I have 09 Scion with a little over 100k miles, will buy new car in full and want another kid in 2 years and bills for birth will be at least 4k like with our first. Total-5050Leftover-150 Current retirement savings-401k-42kCurrent emergency fund and carbaby fund-50kSo anywhere we can save? We would love to put the 150 left into a Roth IRA and plan to but Id really like to put 400 in instead since our retirement savings is so low! I could also go back to work but preschool would be 1.2k a month and Id only make 2k a month so not sure if its worth it for 800 and to not see my daughter at all! Thanks for advice. Assistant: Youll have to decide what your priorities are. You could travel to visit family less frequently. If youre home, preschool is not necessary. If youre concerned about socialization, you can substitute storytime at the library and trips to the park. You could drop your daughters activities and look for freeless expensive options. You could decide not to do gifts for a year. You could reduce eating out or your grocery cost. You could drop cable or do slower internet. You could sell the house and move into a smaller place. Youll have to decide if any of those are worth giving up for more retirement savings.Human: This one.Either put your daughter in full time and you get a job for a second income, or you pull your daughter out and stop giving them your moneyAssistant: She absolutely loves preschool though and begs me to plus its really needed for kids nowadays or they are behind in school when they start. Maybe I will look into going back to work. May be the best solution. I guess some money is better then none. Just scared to leave her with someone else 40 hours a week.  <response>: I stay home with my son. I joined a few facebook groups for other at home dads and we go to 2 or 3 playdates a week with those dudes. After that we buy yearly memberships at the Natural Science Museum and the city zoo. My son gets plenty of socialization and what seems to be a very enriching childhood. This might cost us 1000 a year including gas. Im not sure if this would be an option for you but it could be a way to save 3k in childcare costs. 