Good for you to not incur student loans. The house is a good investment however if you are paying a mortgage it is a liability. Same with the car. If you can take the city transit, bike or walk it may help in the savings. Insurance can be a killer too. Decide what you truly need to insure and what you do not. It is a gamble but one that most insurance companies win. They reinvest your money and gamble that you will not collect on it. Do you really need insurance? Also Child support. It is cheaper to keep her if you are going to have her than to forfeit her and pay child support. Again thanks for the reply.