<prompt> Human: Me and my wife both work as managers at a local restaurant shes FOH manager and Im BOH manager.Together, we pull in around 1,100 biweekly not including tips she makes running bar or serving. That adds around 400-600 biweekly. So in total, in the ball park of 3,000 a month.We just paid off a few credit cards that were used for car maintenance, medical bills, etc. These are our current debts and expenses.360 Rent200 Phone bill200 groceries200 Eating out, misc entertainment 150 Wedding ring payment 700 total left100 Energy bill100 Credit card 3000 left, had a nice honeymoon100 Subscriptions gym, amazon prime, Hulu, etc100 Gas80 Car insurance80 for herb50 Cat foodThis should leave us with about 1200 a month left over.In the near future, we would really like to buy 2 new to us cars, and start looking at homes in the next three years. Heres my question!! Obviously, wed like to get our new vehicles in the next few months. Assuming our vehicles will be around 10k each, and we have no money saved currently, should we wait to pay off our existing debt to avoid stacking debt? How much is car insurance for a newer car for people 22 and 25? With this budget, how expensive of a house can we realistically afford? How much should we save as down payment? What about home owners insurance? We wantneed to get new furniture. How much should we consider paying?And also, what about saving for retirement? Our work offers no retirement, 401k or what have you. When should we start putting away for that and how much?Thanks Reddit!  <response>: You cant afford the new cars or the new house. Cars are a huge waste of money. If you work together just share one car, the one you currently have, so that you can start saving for a home.There are lots of places you can cut expenses from your budget. You should do that, and try to save a little more. 