<prompt> Human: So my SO and I are discussing marriage and sat down to come up with a theoretical budget last night. I think we have most of it figured out but I just wanted to see if were missing anything, if there are any red flags, etc. Health insurance is an issue. My current job does not offer it, but does give us a 150 allowance HRA which is only enough to cover catastrophic-only insurance. Shes about to go to graduate school and I think they offer their students discounted insurance so thats an option.Anyway, the amounts are our estimates of combined expenses. the Single Amount is what I currently pay. Can you please take a look for us and share some wisdom? I really appreciate it!Link to Google Docs for easier viewing Combined income - 3,159My income - 2,559Plasma 200Essential BillsAmountSingle AmountRent 700.00 Electric 200.0075 Phone 130.00120Groceries 250.00150Insurance 180.00102Car Payment 229.50230Gas 500.00300Credit Card 50.0050Savings 100.00500Student Loans 250.00250Total bills 2,589.50Discretionary 569.50Non-Essential Bills AmountGym 32.00Spotify 10.00Netflix 7.00Internet 20.98Donations 20.00Total NE Bills 89.98Discretionary less NE bills479.52Weekly Cash 119.88Daily Cash 17.13Weekly if Donate Plasma169.88Daily if Donate Plasma 24.27Assistant: Youre spending a lot of money on your cell phone. Which carrier are you currently using? Have you considered reducing your data allowance andor switching to a prepaid plan?Human: I have, and thats the kicker. Im on the ATT familyshare plan which gives me 10GB data. She has ATT as well. Ive been considering switching to TMobile Prepaid but now Im not sure which would be better - doing that or just adding her to my plan.Assistant: Wait what? Why the heck do you need 10 GB of data just for yourself? The vast majority of people use less than 2 GB of data per month. Note that anything you do on WiFi does not count towards your data usage.Even without considering a prepaid network, you could easily save yourself over 50 per month just by switching to a smaller data plan.Human: Yeah, Im planning on switching to the 2GB plan after this month is up. Im already over 2GB data and Im afraid that if I did switch right now, theyd hit me with outrageous data overage charges. Assistant: Okay, then maybe as a short-term compromise, you could switch to the 4 GB plan 70 per month according to the ATT website. Then start researching as many different prepaid plans as you can. Other people have already given some good suggestions.Depending on where you are in your contract and how much they charge for early termination, it may or may not make sense to wait until your contract ends to switch providers.Human: I didnt know about the 4gb plan! That sounds perfect. I listen to Spotify and podcasts during my commute and thats what eats up my data. I have until June in my contract, and I think my ETF would be 100 now.  <response>: As a fellow long commuter, I understand the need for podcasts, but theres no reason you cant set your phone to download a bunch ahead of time when youre on wireless. When I turn off my alarm in the morning, I turn on my podcast app and it downloads all the latest ones which more than gets me through the day. 