<prompt> Human: I see a lot of people here comment how month after month, theyre able to max out their 401K employer matching and Roth IRA contributions, all while paying off whatever debt they have, without somehow magically going further into debt. I want to know: How the heck do you manage?I go most months it seems, barely able to scrape by. Im eligible for a 401K at my company, and I want to do it because I know its free money. I also know that I should be saving, but somehow I always wind up with nothing left by the time my next paycheck comes. I also dont really like any of the options available in the plan. With my net take home pay of 4K, what can I do differently? 350 Savings for travel and any emergencies 200 401K 400 Student loan Total 54K 5.84 - 6.84 100 Car Loan 3.47 2K Rent 150 Utilities 100 Gas 60 Internet 50 Auto Insurance 45 Phone 350 Food 40 Subscriptions Kindle, Netflix, Spotify 40 Gym membership 100 Entertainment Total: 3,985  <response>: You cant afford your rent. 