<prompt> Human: I know the title is hard to believe. Heck, I always thought if you made six figures, youd be living the glorious life. And here I am, earning approximately 120k per year, raising toddler twins on my own with no other financial support. So heres the nitty gritty:- I live in an expensive city on the east coast. My mortgage is 2,000 which includes PMI, taxes and homeowners insurance. This is not a high payment for a mortgage where I live and rents are often higher- My daycare cost is 2,500 a month for both of my toddlers and this amount will continue for THREE MORE years till they go to Kindergarten- My car payment is 390 a month with 0 interest this was a purchase from before I moved to a single income. Ive thought about selling it and buying a cheaper car but it will be paid off within a year. This car is also great on gas and I recently sunk in money for brakes and new tires- Student loans 300mo- Car insurance 150mo- Propane heat or AC - averages to about 250 a month probably low payments when it isnt cold or hot but high payments in the winter and summer months- Gas - 150 a month- Train pass and parking - 300 a month- Other utilities - 200 a month- And then groceries and other child related expenses of courseAfter covering benefits and deductions Im netting 6,500 a month and we get paid monthly. Now, can you see the issue here? Its all gone. Gone, gone, gone! I cant save, I cant buy anything for myself, and Im literally living paycheck to paycheck. Im making too much to get help and too little support my own little family. Any advice? BTW, Im female. And a second job is not an option as I barely see my kids as is.Assistant: My mortgage is 2,000 which includes PMI, taxes and homeowners insurance. This is not a high payment for a mortgage where I live and rents are often higherLook into getting a new homeowners insurance policy. It may be possible to get a significantly cheaper policy with equal or even better! coverage.Also look into refinancing. You may be able to get a lower interest rate and remove the PMI.daycare cost is 2,500 a monthLook into other daycares. Also see if your employer provides access to a Dependent Care FSA account. That could save you a bit on taxes. My car payment is 390 a month with 0 interest This will eventually be paid off. How much do you still owe on it? Student loans 300moThis will also eventually be paid off. How much do you owe and at what interest rates? Car insurance 150moGet quotes for a new policy. 150mo is 1800yr, which is pretty expensive. Train pass and parking - 300 a monthSee if your employer has a commuter benefits program that would let you pay for those expenses pre-tax.Yes, its rough. But you already have a timeline that worst-case scenario, things are guaranteed to improve in 3 years when your kids are older. Your cash flow can be improved by finding cheaper policies for your auto and homeowners insurance and as you pay off your remaining debts.AlsoHuman: Thank you! I actually started calling around for quotes on autohome before I made this post today. House is in the process of being refinanced but the payment will stay the same ended up w a couple years shaved off of the term.  <response>: If current cash flow is your issue, I dont see how shaving a little time off of the end of the mortgage is really going to help you. 