<prompt> Human: Hey guys, This is probably more of an rrelationships post, but I wanted to get some advice. I recently put my last months spending into a spreadsheet to get an idea of where all of our money was going. Within that month we earned net 5300. Unfortunately we spent 5800. Kicker is, our required purchases and payments only total 3700. There are a lot of unnecessary expenses going on in there. Its mainly eating out and getting alcohol or cigarettes. I am trying to convince my wife that we just need to reduce our spending so that we can at least have a net positive each month. I have tried approaching her about reducing the spending but I was just told thats not a plan, we just need to make more money. I wish it was that easy. What arguments or points can I make that would address our spending as the whole reason we are losing money each month? What resources can I point her to so that she can read up a bit on all this stuff and how it works? I feel like I am going a bit crazy trying to reduce our spending, but she seems to think that is not the way to go.  <response>: The good news is that youre spending 2,100 a month on things that will kill you so saving for retirement wont be as difficult. 