<prompt> Human: Hi Reddit,This is something that has been keeping me up at night. I feel like a total and utter failure financially. A little background:I am 29 years old, newly married. I own 2 businesses on my own, which are quite successful. I have a lot of media presence, even with some of the biggest financial media groups in the world, no lie. However, all this is a sham, its a front. I look, act, and feel successful, but Im not. I look, act, and seem successful to my family and peers, but I am not.My current situation isexcluding my wife:-Pay myself a salary of approximately 125,000 Annually-Savings is about 14K-Student loans at 60K-Credit Card Debt of 12K-Lines of Credit Debt of 3K-Checking account average ledger of 1,200-Lease a car 799month-Monthly living expensesrent, tv, con ed etc of 3KI am sure theres more I am missing, but I feel like I am doing so much wrong. Somehow, even with my businesses handling my gas, eating, and other minor expenses, I end up with too much bill and not enough month. Last month, my wife and I finally began looking into homes and I realized I had to admit to her that we couldnt afford it as we dont have enough saved and I was afraid of the mortgage and other expenses. Ive never felt lower. Guys, please help me- I cant live this lie anymore. What do I do?Assistant: Youve listed 10,416 in monthly income.Youve listed 3,799 in expenses. Where does the other 6600 go each month? When you can answer that question, youll be able to start a plan.Human: Well some of it goes to taxes of course- so my take home is probably around 6-7k. Assistant: And exactly where are you spending that remainder on?You need to account for everything.ClothesmealsdrinksvacationsgasinsuranceEVERYTHING!Human: Exactly those things. Clothes, meals, drinks, vacations.  <response>: Well then cut those things out or way down. You dont make enough to spend 34K a year on vacations, clothes, and drinks which is ridiculous amount anyway! 