<prompt> Human: I seem to always be running low on funds and need desperately to get a handle on this as Im approaching 50. In essence; I am no good with money. Ive made some very bad investment decisions during my early career beginning with the tech bubble of the late 90s and ending with some bad bitcoin investments and have lost alot. I also tend to spend frivolously.I have no real savings except for a tiny emergency fund. BUT I dont have any major debt, maybe around 20k total. I live in pricey L.A. and rent 1633mo.What I do have is a very decent job with a salary of 107kyear. An employer matching funds 401k which Ive hardly taken advantage of. Baring the sob story... Im really at my wits end.any advice is greatly appreciated.  <response>: Short answer: Start investing in your employers 401k in the full matched amount and then figure out how to live on whats left. Also, get rid of that debt - youre just throwing money away.Longer answer: Put together a current budget and share it with PF. Youll get plenty of opinions on it.Theres a link over on the right READ THIS FIRST: How to handle - read it. Then read it again. 