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[quote=Anonymous]If every month you feel the struggle then your budget is more fictional that real life and you likely will continue not sticking to it

It sounds like you are trying to tackle way too many goals at one time.

Just start with one of them - for example a rainy day fund start out with saving up at least one months expenses if you don't already have that and then just put in the min amount to 401K

then if you have any consumer debt, pay that off as quickly as you can and keep mini money going to 401 K

Next start saving for the car, and continue to put a minimum in the 401K until you have saved up whatever you deem you need - just a down payment, half the price, full price- whatever  your goal is

At the same time, start dialing back some of the impulse purchases, like consider eating out W/R/F but skip on M and T bc most people have more energy in the earlier part of the week

then once those 3 are done, then consider upping your 401K and building more into the rainy day

Some people will say pay off student loan debt with consumer debt but I think that really just depends on how much debt and being realistic in how long that might take to pay off

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