<prompt> Human: I am married with four kids and my wife stays at home. Despite making really good money, we find a way to spend more than we make each month. Does anyone have any suggestions for staying on a budget or managing money with a big family? I feel like we could not save a dollar if we tried. I should not feel this broke!Assistant: What is your budget?Human: We use YNAB but I am not as familiar with the online version. I am good at setting the budget but it is very hard to pivot once something unexpected happens. Particularly if it is a large bill that breaks the budget.  <response>: We use YNAB but I am not as familiar with the online version. I am good at setting the budget but it is very hard to pivot once something unexpected happens. Particularly if it is a large bill that breaks the budget. So... whats your budget?Do you have an emergency fund?What kind of unexpected things happen? Are they truly unexpected? Or are they things you forgot to budget monthly because its a quarterly or annual charge? 