<prompt> Human: Hello fine people of PF!I am 32, out of school and currently 8k in debt. I make 30k yearly gross with take home about 26k or so, own a home with a fixed 30 year loan at 250k. My monthly expenses with car, mortgage and bills are equal to about 2k monthly. I have a 401k that is on track. I do not have any other investments. If I pinch some pennies I can probably save about 300 monthly. I feel there is more I can do, but have very little knowledge to do so. I am looking for some recommendations for saving money or investments? EDIT: Thanks for all your wonderful suggestions! As for some of the questions, sorry if I left out some other details. I am married and we split the bills. Mortgage is 1720 monthly 860 each. Myself and my wife have great credit. The only source of my income for myself is my job. My wife has a job as well. Me and the wife keep our financespersonal bills separate. I make about 2200 monthly. The 2000 includes my Mortgage, car, insurance, HSA, 401k, and bills.  <response>: Why do people even get married if they arent willing to combine financial goals? 