$200 a month doesn't sound bad. $2,400 a year does. Roll every monthly bill up to the yearly number and see exactly where your income evaporates.
Monthly figures hide the scale. Multiply by 12 and the picture changes.
Which categories eat your income? The biggest bucket is where to focus.
Classic 25× rule: your retirement nest egg target from spending alone.
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Small monthly leaks, big yearly totals.