<prompt> Human: Edit 1: Thanks for all the great advise! I think I will sit down tonight and put it all on paper. Edit 2: Downloaded mint. It looks like we should be able to live off about 3400 per month, still living comfortably. Now time to keep on budget!Edit 3: WOW this got a lot bigger than I thought it would. My definition of paycheck to paycheck might be a little off. To clarify I pay off some of my student loans and cc debt every month, contribute 5 to my 401k, and my account has never gone to zero but it gets close. I do live way above my means. Thats what Im trying to stop. I would love to live off 50k and put the rest in the bank which is completely doable. Im just bad with money. I never look at my accounts to see what I spend. Its probably something I got from my parents because they spent money like nothing too.I really appreciate all the helpful info! If anyone ever needs tips on how to blow money, Im happy to help!Edit 4: Front Page! Glad my financial problems are now the talk of the inter web. Also, thanks for not calling out my bad spelling!Edit 5: I pay taxes, just like most people who dont live with their parents. I do not take home 100k, I probably net about 65 estimate. This seems to be a big confusion for people.  <response>: Write down what you spend your money on. 