<prompt> Human: ill be the first to admit that i dont really budget or keep track of my expenditures all that well. i will say that i usually end up with a 2k credit card bill per month i put almost every single expense on my CC, never pay cash. i make around 69k base and my bonus is dependent but im usually at around 75k grossyear. i used to contribute 15 to my retirement. 4 to 401k matching is 4 and 11 to ROTH, but I recently dropped it back to 4 total. right now sitting at about 24k. i have about 12k in the bank between checkings and savings.recurring expenses:rent: 925electric: 75-100entertainment package Netflix, etc.: 20other than that, no debt whatsoever car and college paid off.so...how can i best get on the path to increasing my savings?and, in how bad of shape am i?thanks!Assistant: What are your plans for the next 5 years? Get married? Purchase a house? perhaps have a kid?If none of those are of any interest, you are doing great. Human: was that necessary?  <response>: How would this not be necessary? Planning requires a plan son. 