<prompt> Human: We are just breaking even at 90,000 a year income and are not saving outside of retirement HSA. We have 3-6 savings and no debt and still only break even. Also do 11 retirement 5 hsa. Major categories- nbsp;600 tithe, givingnbsp;1,510 mortgagenbsp;300 utilitiesnbsp;170 gasnbsp;130 eating outnbsp;800-900 groceriesnbsp;600 Amazon includes clothes, diaper, wipes, etcnbsp;100- Auto long term disability insurancenbsp;Edit with more detail-30 petsnbsp;100 miscnbsp;100 house stuff- air filters, projects, repairs, lawn mowingnbsp;30 gifts- birthdays weddingsnbsp;25 me fun, 25 my wife fun 70 kid activities Where can we cut?Assistant: Stop giving money away. Assuming thats 600month, thats 7200year.Human: Yep, theres your Roth IRA contribution for the year.Assistant: I do that as well  <response>: His point is you can invest 7200 on top of your 5500 IRA investments. 