<prompt> Human: 1100 on rent utilities 600 Car loan 550 Food Gas 300 discretionary funds 250 Savings 250 insurance 100 Phone bill 100 Student Loans 80 on Cable and internet 15 Renters Insurance 10 Spotify3355 Total Bills I work 60 hours a week and bring home 40k AFTER taxes and maxing out my 401k. Plus I am contributing 250 per month to my employee stock plan.The only debt I have is 8k in student loans and a car loan.  <response>: I work 60 hours a week and bring home 40k AFTER taxes yet3355 Total BillsHow can you even afford this now?Youre bringing home 3333 per month on average, if you are clearing 40k a year after taxes.Your spending has you at 3355 for bills alone.Furthermore, I would expect none of these bills to be the same a year from now, let alone 5 years from now. Its impossible for you to plan a budget so far out when you have so many things that can and will change over that time period.Your transportation costs are nearly as much as youre paying in rentutilities. Thats high for your income. 