You are right and I have debt I’m paying off due to stupid decisions when I was younger. Have a good job but also do surveys on the side to make a little extra and I house sit in the summer so that is some extra cash as well. But I’ve learned the hard way how quickly eating out can add up. Thankfully I do a hybrid at work so I only have to be in the office twice a week so that saves on gas. You are right, there are things that can be done