<prompt> Human: Edit: I promise Ill get to responding to everyone, thanks for all the responses its been helpful! Throwaway to keep things private. Im currently the only one working as we have a 2 year old and no one to care for her if my wife went back to work. Were trying to figure out how much longer we can afford to live with our current money situation or if we should just move out of state - my job allows me to transfer anywhere in the U.S. My wife and I dont know which direction we should move towards. Do we wait it out until she goes back to work in 2-3 years or sell before we lose our savings? Outgoing: Mortgage inc insurance 2100 Cell phones, TV, home phone, Internet 330 Electricity oil 300-600 depending on the season NO debt on cards or cars Diapers, food, etc unsure, but we buy frugally Incomingsavings: 3200month after taxes, insurance, and retirement account 56k in savings 42k in stocksmutual funds Obviously were not starving here, but the money is quickly dwindling and its causing us to fight more and more. Any helpful advice is very much appreciated. Thanks! Edit: if you have any suggestions on sites that could narrow down places we could move based on schoolscrimecost Id definitely appreciate them!Assistant: Outgoing:Using the average for utilities 450, you have 320 unaccounted for. You should track where every dollar penny, even is going if youre having money issues. Cell phones, TV, home phone, Internet 330There is potential savings here, especially if you have cable drop it, more internet bandwidth than you need, or more text messagesdataminutes than you need.3200month after taxes, Do you get a tax refund every year? If so you should consider adjusting your withholdings so that less is withheld per paycheck, especially if cash flow is an issue. This reduces your refund in favor of putting your money to work for you during the year as opposed to giving a 0 interest loan to the government.insurance,Have you shopped around for cheaper insurance?and retirement accountAre you contributing to the contribution limits, maxing only to the employer match, or something else? If you are barely able to afford the roof over your head, at least in the short term you may want to think about reducing your retirement contributions to the extent it makes sense to.42k in stocksmutual fundsIs this outside of your retirement accounts?Human: Just want to add that switching from Verizon to page plus page plus uses verizon towers phones we went from 180 a month to 75 month thats real cost all taxes included. Just an FYI, could be a big win there like my wife and I.Assistant: Wow, Ill have to check that out, Ive never even heard of it - thanks!  <response>: Page plus is a Verizon MVNO mobile virtual network operator. This means that they use Verizons network and phones but have their own plans which can be very cheap. H2O mobile is similar on the ATT network.Another thing to cut phone cost if you have WiFi available at common places where you spend time work and home is to port your phone number to google voice and use the GV and hangouts apps to make calls and texts. Then you get another number to provide mobile and data service for when youre off WiFi. A good plan for this is the T-MobileWalmart 30 per month that has lots of data but only 100 voice minutes. 