<prompt> Human: I have a 520 Harley payment still owe 20k on it425 lease payment on truck250 lease payment on car1440 payment on mortgage150 on credit payments600 total on 2 401k lean payments I know Im a retard, long story, Ill never do it again I make 40hr right now, soon to be 50hr. I get a decent amount of overtime at work and I .so sick of being broke that I started taking everyonute they give me. I brought home 6000 last month after taxes, still.broke before this paycheck. My wife hasnt had a job til now. Im getting a bonus for around 15k in a month and a half. I plan to pay off one 401k loan, and credit card. That will put me up 450 a month, and I bet I still live paycheck to paycheck. Wife will bring in about 1200 a month once she starts bringing money on regularly, and well still.live paycheck to paycheck. We need a budget, and we need to learn how to live by it. We both just spend. I dont even know what I spend it on, and she spends it on pampering and making herself pretty with the hair and nails and facials and shit. Well, i do have a dog with some pretty bad allergies, and have spent about 1500 in the past few months on vet visits got wedding money to figure it out. I think Ill make about 150k next year, not including my wifes 20k, and well still live paycheck to paycheck. No savings, no nothing. How can we make a budget stick? Were both just as bad, and it doesnt make the marriage any easier.EDIT: I PUT THE DAMN HARLEY IN CRAIGSLIST FOR THE PRICE OF WHAT I OWE ON IT DAMMIT! Assistant: Mint.com You will never make any budget stick until you know what youre spending and have decided youd like to not be broke. Mint will help with the first, but its on you to do the second. Theres no magic trick. You have to decide that having financial security is more important than motorcycles and cars and eating out and flawless nails. Human: Id rather be broke with my harley than have 30k in savings. Sounds dumb, but its my priority. Assistant: Out of curiosity - what would you do if you got fired or laid off tomorrow? Would you get rid of the cars and the Harley then?Human: Id be absolutely screwed. With no nest egg, and no formal education, theres no where for me to go to make even close to this kind of money. Id be forced to sell everything.  <response>: Then this should scare the shit out of you. Why youre not taking this more seriously is appalling!!! You NEED to make changes and live within or, preferably, below your means. Everyone thinks their job is forever and, quite frankly, no job is forever. There is always a change, however great, that you will be fired tomorrow. Live with that in mind and make positive changes to your budget. 