you seem to be missing the point. and a reality check. of course we have listed our expenses and our income. how else would we know how much we are short?
what makes you think we havent?
You seem to think that making that list will turn up some extra money. Nothing you are saying is really making any sense. when a person has 40k coming in, and 50k in expenses, there is no extra and there arent things to cut back on.
and guess what! not everyone lives in brooklyn. some people really need a car. and i am not even talking about myself per se, there are so many people out there who dont have enough money to make ends meet and implying that there are hidden thousands in their gas bills is offensive. perhaps they should stop using hot water to cut some extra costs and then put that $900 per year into a growth fund that will turn into $25k in 5 years. don’t know why I hadn’t thought of it.