<prompt> Human: 22 year old engineer, have a wife, Im working part time and enrolled in part time masters program. My wife serves our church full time. In two years when I graduate and start working full time, my income should raise sharply by 125-150. But until that, Im struggling.We have a 7500 emergency fund.My post tax income: 700wk 2800monthBudget:School related expenses: 50month I have a tuition waiverFood: 400month cant be loweredHousing: 1000month good dealTransportation: 250month our car is totally paid offUtilities internet phone etc: 100monthInsurance: 100monthTithe: 280monthClothes and Shoes: 150monthEntertainment: 100monthStudent Loans: 200monthMiscellaneous household stuff: 100monthThat leaves me with a whopping 70month to go towards retirement...How do you save for retirement when making so little?Assistant: Please dont be offended, but maybe your wife could change careers to increase your collective income?Human: No.  <response>: If you cant increase income, and you cant cut costs, then there is nothing else to consider.Perhaps try reducing each item by 5 and see where it gets you. Then keep decreasing by some amount, no matter how trivial, until you are truly at the margin for that item. The odds are that there are some buried costs that youre paying without realizing it. A lower Internet speed, a smaller or no cable package, less long distance - I also note that there is no mention of cell phones or charges, which is unusual. Is everything accounted for, and correctly summed?Also, depending on your denomination, your wifes effort and contributions may be considered a part of your tithe - you seem to be paying the nominal 10 however. This may be something to ask your pastorpriestrabbiimamspiritual leader about, as heshe may also have guidance. 