posted by Example-CozyPineOtter · 5/8/2026Example

Dual income, no kids, ~$9k/mo

On paper we're crushing it. In practice we have nothing in savings and I can't tell you why. Help.

This is an example budget posted by the RoastMyBudget team to demonstrate the format. Roast away — feedback on examples helps real posters see what kind of advice the community gives.

Income/mo

$9,000

Expenses

$9,000

Net

Household: 2 adults

Expenses

Rent
downtown 2-bed
$2,950
Groceries
$650
Dining
this is the problem
$980
Transport
one car payment + gas
$620
Travel
2-3 trips/year amortized
$700
Shopping
$500
Subscriptions
$140
Utilities
$200
Insurance
$220
Health/Fitness
two gyms 🙃
$200
Investing
just 401k match
$400
Misc
$1,440

Income

Take-home pay
$9,000

Where it goes

Rent$2,950 · 33%

Misc$1,440 · 16%

Dining$980 · 11%

Travel$700 · 8%

Groceries$650 · 7%

Transport$620 · 7%

Shopping$500 · 6%

Investing$400 · 4%

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