Hello,
For context, I am 26M who currently lives in San Antonio, TX. My girlfriend ( 32F ) is a stay at home mom and we just had our first baby together last year May of 2025.
It feels like I have been living paycheck to paycheck despite making $110,000 Gross income a year. I also have ZERO savings God forbid if anything happened I’m not sure what we would do.. I don’t have any 401K or contributions to any retirement accounts as everything feels so expensive right now
I have a base salary of 70K, I get VA compensation rated at 30% which equates to $7200 annually tax free and my commission bonuses , I get monthly around an extra 2-3K on top of my base salary.
I feel I do quite well but I’m still drowning…
**Monthly Expenses**
Rent : $1900
Truck payment : $497
Auto insurance: $252
Groceries $ 800
Health insurance for my Girlfriend and our son : $489
Paying my mom back : $200 ( needed 20k to get out of bad debt last year )
Renting washers and dryers $65
Girlfriend Phone Bill : $94
My phone bill : $75
CPS Electric bill : $150
Discover card $44 interest free closed account paying them back . $1700 balance left
Netflix : $20
Disney : $14
Spotify: $13
Spectrum WiFi / Internet $55
Savings : $0
Any help / feedback on what I should do is appreciated. My credit score is 692