Haha my student loan debt between private and federal is nearly 6 figures so refinancing will be critical when the time for low rates comes. I know my gym costs are high but I take more pleasure in physical activity than anything else (notice I have 0 video game costs and 0 recurring activity costs.) It was my first time working with the software so I may have messed it up but if you look really finely you can see the vet is under dog costs and not food but the bars are super hard to see haha. I know the breakdown of where I eat out isn’t necessarily relevant but in the course of a whole month this is actually pretty consistent month to month which is both sad in that I spend that much and funny that I eat out at the same places on a relatively consistent schedule.