<prompt> Human: Hello PF, created a throwaway account for this. I feel like for the most part I stick to some good savings and spending principles, but at the end of each month I feel like I should have spent less. Any advice would be greatly appreciated!I went to college with some scholarship and some federal loans. My parents took out loans to cover the rest. I was fortunate in that they also helped pay off the federal loans pretty much as soon as I graduated so I didnt have to deal with the high interest. In total, they probably took out around 100k in loans to cover my college costs. We worked out a plan for me to pay them back after I graduated. At this point 2yrs later, I paid them back around 50k. I was lucky to get a job right out of school 68kyear and gave them every other paycheck. About a year ago I got a new job and was bumped up to around 100kyr and continued to give them half my take home salary. At this pace, I should be able to pay them back in 2 years. In a few months I expect to be bumped up to around 115-120k.In addition to that, Im now maxing out my Roth 401k 15k in there now, taking advantage of company matching, and plan on maxing out my Roth IRA 45k in there now.At the moment, I have a very small short-term reserve of 2k.My other expenses include 2100 per month:Rent: 450Utilities: 100CarRent Insurance: 100Groceries: 450Restaurants: 350Clothing: 150Travel: 350Householdpersonalrandom Amazon.com things: 150I know I should really be reducing my spending in general and build up a bigger emergency fund. I would love to hear about any strategies to reduce spending on a day-to-day basis. Is there anything else I should do long term or short term? Should I be taking the Roth route over Traditional?Thank you!  <response>: There are no strategies to reduce day-to-day spending - you just do it. You get to a point where you say to yourself Why am I eating or going out today? Why am I buying this thing I dont need? etc.We cant help you get to that point, youll have to get there yourself. 