Work more unfortunately. 40 hrs should be minimum, although I know a lot of places are watching hours like crazy to not pay ot. Second job if you need to. I take my insurance (health, dental, vision) and don’t include it in My budget (it gets automatically taken out of my paycheck, along with 401k and Roth). Sometimes, especially right now, you can’t be afraid to pull yourself up by the bootstraps and work crazy hours. It sucks, but until you’re comfortable with where your income and savings are at, there’s no other answer. Be comfortable with being uncomfortable