<prompt> Human: My base salary is 120,000year. That works out to 4,650 per paycheck. I get paid every two weeks. 1,400 goes to taxes and insurance. I put 140 into an HSA for my HDHP. I put another 140 in a transit card account to pay for my monthly train ticket. And, 460 goes into my 401K. So in the end, I take home 2,530 every two weeks. Now, for my expenses. Girlfriend and I bought a house together. All in, the mortgage property tax, insurance, interest, principal is 2,105 per month. She pays 400 and I pay the remainder. We split the utilities, around 200 per month, 100 each. I have a 400 car payment. Will be paid off in November 2019 and owe about 8,000 on it. Car insurance is 600 per 6 months. I have about 4,500 in credit card debt. 2,000 in savings. Under 1,000 in checking to get me to the next paycheck. The only thing I feel good about is my 401K where I am vested in about 50,000. Im 27, turning 28 in the next few months. What am I doing wrong? I listened to a Dave Ramsey podcast and was thinking about doing his process of: Save 1,000, pay off debt, save 3-6 months expenses, invest 15 of pay in retirement account, etc.  <response>: These numbers dont add up. What kind of money do you spend on things like restaurants, food, entertainment? 