<prompt> Human: Bit of background, I started in my field roughly 3 years ago with an entry level position. My initial pay was nearly minimum wage at 25kyear. Fast forward 3 years and 3 companies later, I now have a base salary of 104kyear with a revenue based commission. This commission pays out between 4-6k monthly - putting me at a gross income of 160k a year. I have a wife and a young daughter. Since money isnt an issue she stays home to raise her. We arent struggling by any means but at the end of the month theres no money left over to save. With hard expenses we have 2,990 in bills. Throw in gas, food, baby stuff etc., that adds another 1.5k a month. I dont understand where it all goes and why there isnt any leftover. Im hoping for some guidance to create a savings plan monthly. Any help would be appreciated, thank you!  <response>: Short answer is: Budget 