Reply to Income 100k for 35 year old is working poor

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[quote=Anonymous][quote=Anonymous]I believe he means that "Internet, TV, Student loans, VA Dominon Power, Cell Phone" are  $500/monthly total, and that he uses his credit card to pay for "FOOD, GAS, Metro, Drinks, going out, Door Dash" which totals $2K/month.

What's not clear is whether he's using the credit card to get points or some other rebate, etc and paying it off each month, or if those are actually costs he's carrying month to month on his credit card.

Is that a correct interpretation, OP?
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Should first focus on reducing expenses---food and dining out is likely a lot  of it.  Take that savings and agressively get rid of student loans.  OP is 35, only making 100K (so not a lawyer or doctor, so they likely have been out of school for close to 10+ years).  They need to aggressively get rid of student loans, then use the extra $500-800 they can likely save (by cooking at home, not door dashing, etc) to invest/save for a downpayment.  They have a spending problem and should be looking to fix that.
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