<prompt> Human: I am married. My wife does not work. I have a teenage boy. We are making payments on a small house, have two cars both of which are paid off. I make 70K and I cant seem to save any money month to month. I get paid twice a month. This is what my paycheck looks like These are all approximate values. Gross Pay 2700Fed Tax -403State Tax -110Medical -160Dental -44Vision -13401K -250HSA - 154Parking -45Net 1550Monthly bills:House: 762Internet: 50Waterwaste: 112Electricity: 130Gas: 40Napster: 10Life Insurance: 47Braces: 190Car Insurance: 94Mobile phones: 134Netflix: 10Home phone: 18. So I guess that means we spend 1350 a month on food, necessities, extra medical bills the HSA doesnt cover, dog and cat foodmedical, necessities, clothes, gas for cars, ect ect ect. I just went through the past couple months and our biggest expense is food. Between eating out and groceries its like 800 a month.  <response>: Clothes? How often are you all buying clothes? And eating out adds up stupid fast. Id recommend finding where every penny you had went for a single month or two. You may find out their are some unnecessary expenses that you didnt know about if you catch my drift. 