<prompt> Human: Ill list some information first. In a month we bring in 3200 after taxes. We have 10,000 in savings thats completely off limits until one of us falls off a cliff or some such need arises. This is what our monthly expenses look like: Rent: 860 Electric only utility: 65 Internet: 68 Car Insurance: 96 Cell Phones: 150 I know its high, but Ill explain below Groceries: 300 Gas: 100 Student Loans: 712.87 Total: 2351.87That leaves us with around 850 to budget. I think were pretty good with our money but I dont really know. I dont have a basis for comparison. We live in a small city which is why the cell phones are expensive. We need pretty good coverage and we spend most of our free time camping so were usually in the middle of nowhere. Im sorry that this is so non-specific, but I guess the best way to put it is that, given what I wrote above, I dont know what questions I should be asking. I hope that makes sense. If you need clarification feel free to ask. EDIT Thanks for the replies. Youve given some really good suggestions for things to look into, and Ive got a good jumping off point to do some research. Thanks again, this was really helpful.  <response>: Congrats on that very healthy emergency fund! And the modest and careful budget. Looks impressive. If the student loans have interest rates over 3-4 I would try to kill those as soon as you can. You can also open a Roth IRA and start some contributions there. 