<prompt> Human: Age: Late 20s Income: 64k Student loans: 21k 3.4Unlike most people here I think, I dont have much wiggle room when making my budget. After contributing to my 401k, paying off my loans, living expenses, etc., I dont have much left. Heres my 401k plus about 7k Ive got in an emergency fund. I cant save more, cant invest more, cant buy a new car, a house, or get married, and need help improving my situation, please. What am I doing wrong, or what can I start doing to save more?  <response>: The moneys going somewhere, but youve posted virtually nothing about your budget. If you dont have a budget, make one. Get some software, start tracking, and see where you are spending your money. 