I mean is it a surprise that people who are irresponsible with money have money problems? Kind of a self selecting thing. Why a 22yr old living with his parents needs 2 cars is beyond me but that kind of mentality is why they're in this mess in the first place.

Your expenses look very reasonable to me, as do your investments and savings in proportion to your income. I'm 29 so about the same age as you guys.

How are your taxes so low?!?! I pay ~$15,000 more in taxes than both of you combined but I make significantly less than M. Hell, even federal income tax alone for me is about what you pay in overall taxes, let alone social security tax, state income tax, etc.

I'm very jealous of how low your rent is! I pay $2600 a month and I live alone...I'm also jealous of how little you guys pay for health insurance! I tried to look at premiums and they wanted $1600 a month and I noped out.

What is "Babstvo" and "Terapevt"? Is there any way you can cut down on those expenses?

Whatever the $3300 in debt is, I would just pay it off immediately. You can certainly afford it and with high interest rates these days I wouldn't want any debt no matter how minimal it is.

I have no idea how much houses cost where you live but it looks like you guys are on the right track. Kids are hella expensive and I'm not sure how much money it takes so hopefully someone with experience in that regard can chime in.

What app did you use to make this?