<prompt> Human: I find a lot of things in this sub skewed to people making more than 40,000 a year. Nothing wrong with that but advice is at always practical for lower income earners. Cheers.  <response>: You could try rfinancialindependence, where people probably make more money than here but a lot of them are living on 30kyear- that is, if youre looking for budgeting advice. Really though, this sub caters to people who havent finished the steps regardless of your income. 