<prompt> Human: Im not sure where to even start. Im 36 years old. I have very little debt less than 4K total. My credit is ok about a 620. My problem is I never have anything left over each payday. After rent, bills, and groceries, I rarely have anything left for leisure, or personal enjoyment. Im basically broke, all-the-time. I dont want to work a 2nd job, and I literally have nothing saved. My work offers a simple IRA, and I think I may enroll in that. My main concern is that it would be even more money taken from my check every week. What advice would someone whos successful at managing their money would you give?  <response>: You cant afford to invest 