<prompt> Human: Okay, so this is going to be emotionally hard to post, but I think I need outside perspective once in a while on my finances, and when I mention things to family or friends I usually get handed a plan that involves little by little changes or I get chewed out for not saving or for buying stuff I dont need.Im long winded when typing, so Ill try to be as brief as possible. There are three sections: Finance history, current status, and goals.Id like to hear what people think I could do better, where my assumptions are wrong, etc.History:Grew up in a family on federalstate assistance but with both parents working as much as possible. Went to college on loans, left school with debt of 14k in 1994. 0 in bank. Got taken in by credit card signups in college, had 2 cards, used them, ended up paying 3x what I spent in fees. Paid off cards, havent had any since. Also havent paid on student loans much I have neuroses about money, and Ive handed it poorly for years since college. Consolidated student loan to Sallie Mae, then to Ford direct loan program. It got to 30k before I started paying anythingcapitalized interest.I have always worked in IT, salaries of 30k, 52k, 82k, 86k at a succession of jobs Im considered senior IT now. I am now 43, working FT at a university data center. I have 0 savings budget items belowStatus:Making 86kyr with no dependents. At my third job I started a 401k with generous matching, it got up to about 32k before I left there. I was nervous about ever being able to get a house poor credit due to no money management leading to all bills late, student loan payments not made, car repossessed due to no savings when job lost, etc. Near the end of the housing bubble I moved jobs and cashed out the 401k for a down payment - figured if they were handing out loans to people with no income I could get one. Wanted to spend no more than 150k on a place, ended up in an overvalued house for 189k. Was supposed to be a good first house to build equity. Bubble burst, house is now worth about 99k in tax value, a bit more market value, refinanced because interest rate lowered significantly saving but re-starting equity countdown. Still owe 176k after 5 years in house.Budget: Take home is about 4400month, I have medicaldentaleye insurance via work. State retirement plan is deductedmatched pre-tax. I split money off of each check into second checking account to auto-pay mortgageescrowed everything, student loan payment, internet, car insurance. With the rest I pay bills and other. Bills non auto paid: Heating Gas 75month average over year Electric 150month Phone 20month pay as you go cell Medical copays, prescriptions 40monthOther: Food 600month - breakfast at McDs each day plus weekend breakfast, groceries I dont keep much at home but fresh stuff and a few microwave meals, trying to eat high protein diet Gas: 400month at the moment due to driving a truck - 2001 chevy 1500, 360k miles. Non recurring expenses like home maintenance, car repair, etc. are probably about 300month. Occasional things like x-mas gifts, birthday gifts, driving trips arent more than 2000yr.All of the above non auto paid are about 1600month. Take home being 4400month, that means I have about 2800month or 700 a week left.Hobbies: All the rest of my cash. This includes supplies and parts for tools milling machine, welders, hand tools, vehicles, computers, scuba gear and projects CNC stuff, mini front end loader, boat, etcOne last part of my status: I have some pretty big mental health issues - diagnosed clinically depressive at 28, ADHD at 38. I believe I probably use shopping as a way to improve my mood. Ive been managing this in addition to doctor and meds by not buying anything new except some clothes and food. I shop at surplus stores.Thats not to say I buy junk and hoard it. Ive been working toward being able to start a small manufacturing company - I want to designbuild my own products and sell them. Thats what the CNC mill is for. Ive taught myself machining and welding and do occasional jobs on the side for extra cash. Ive probably spent 6000 total on rebuilding the mill in the last year its working, but Im improving it some more and maybe 2000 on welding gear. I have parts to build a CNC lathe and plasma cutter, plus enough electrical and electronic stuff to fit out a shop.Goals:My biggest goal is personal: I want to find the right person to start a family with. Very hard because Im so used to being alone that it hardly bothers me any more - I dont get out more than once a week. Just mentioning this because the other goals are less important.Financial goals: Live somewhere else - I hate the town Im in. The local government mostly and lack of space to build things, plus regulations against car work etc. Id like to get a 2 acre place farther out from the metro area Twin Cities, MN for about 200k and live there.I also want to start my own company. Im working full time to support myself and so I can in theory use the extra money to get a company off the ground. I have start-up experience, just not as an owner. This will cost lots of depending how I do it.So... what do you guys think? Whats my biggest problem, what should I absolutely be doing with my money that Im not, what should I address soon?Thanks for reading.Edit: Fixed the lists.  <response>: You bring home 52,800 a year and spend 33k on hobbies. Think about that for a moment. That is more than 12 your take home pay.You could have your student loans gone in a year, or your mortgage gone in less than 6 years if you cut out your hobby spending. 