70k Salary with Car Payments in Hawaii, help me budget pls

70k Salary with Car Payments in Hawaii, help me budget pls I make 70k annually and below are my main expenses: Take home: $4200 401k/ Roth: $700 Rent: $560 plus $100 utilities Car: $525 plus $80 insurance Work Parking: $110 Student Loans: $400 (I’m paying way above) Phone: $60 Miscellaneous: $100 Food and everything else: $500 I have $5k in emergency fund so far and $13k extra. Help me improve my budg...

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