<prompt> Human: I make a lot of money. In fact, I just took a new job to make even more money which is actually part of the way in which I screwed myself, more on that later, but Ive gotten myself into a position where I just spend way too much on everything. Ive noticed that Ive become perpetually unsatisfied with making due with what Ive got. Its cold out? Eh, I dont really like this old jacket, let me just get a new one. My TV has some annoying feature? Let me just buy a better one.Well, thats what Ive been doing, and now that Ive taken this new job, its come to a head. I realize that its not entirely sustainable. Up until about a month ago, I was maxing out my 401k and living off the rest of my income, which left me with enough disposable income that I could get away with that sort of thing. I was saving, and my debts were all manageable, secured, and low interest, so, I wasnt worried about it.But then I took a new job. I moved to be closer to it. I listed my house for sale, and rented another one closer to work. Now I have two house payments. This is what was my wake up call. Currently Im paying about 6800 for housing. Roughly 3600 for one house and 3200 for the other. My take-home pay now that Ive temporarily stopped my 401k contributions is something like 8500month. I pay about 1500 for childcare. That means that all of my money is currently taken up with just those two expenses. My girlfriend, who I live with, brings home roughly 3000month. She pays me 1000month in rent. This is enough to cover my debts that Im paying on, for a truck, motorcycle, and boat total payment on all three is something like 900. She also buys our groceries. So Im sitting here with roughly 20k in the bank and bleeding money out of that savings at a rate of a few hundred dollars maybe a thousand? I havent totaled it up a month. This is the first time in years that Ive had to worry about money. I realize Ive gotten myself in a difficult situation and that I havent been doing a great job even before the second house payment. Theres no reason that not buying all sorts of new stuff all the time should feel like a stretch.So, heres the plan:Get the house sold. The old house needs to go. This is the biggest stressor and the part that makes my cashflow negative. Whatever it takes, including dropping the price, I need to get it out of here.Any proceeds from the house get dumped into the vehicle debts. Altogether, these total somewhere in the neighborhood of 70k, and I doubt Ill get that much out of the house, so anything thats left gets money aggressively throw at it until Im in no debt. Ill throw annual bonusesstock awards etc at it if I have to.When the debt is gone, the 401k contribution goes right back up to the max 17,500year amount.Along with that, I start a savings account for buying another house. If it takes a couple years, it takes a couple years. At this point I can allow myself a little bit of slack, I think, but I have to make sure not to get out of line. A small discretionary budget, but the rest into the house downpayment fund. The target for the downpayment fund will be in the neighborhood of 150-200k.Once the downpayment fund is full, I can buy another house and focus on getting it paid off early. With the amount of money I make, I should be able to put myself in a position to feel secure, not stretched. This whole plan is going to take a few years, so I havent detailed everything for when I get farther out like around a new house purchase, nor have I gone into smaller details here I will be trimming both expenses and non-essential indulgences. But I realized that what Im doing isnt getting me where I want to be. At 150kyear, I should be quickly progressing toward a very secure financial state, not just one where I own every cool toy that I find interesting. Im starting this change now.  <response>: From your facts, I assume you live in a relatively high cost of living city or nearby. And youre not a lawyerdoctorbanker. I make a lot of money.Your problems really stem from your attitude about your income. No matter how much you make, youll always be able to spend it. Until you have a better perspective, youll start to slip back into your old spending ways.For your house and vehicles, I agree with some of the other comments about checking into rental values, renting a cheaper house for now. Also do you have low interest rates on your vehicles? Do a cost-benefit analysis on whether and which debts you should pay off first, based on the interest rates and such. 