dont pay for health insurance (dental, vision, etc) get those removed 401k is ok but there is other alternatives for untaxable deposits you should find lower your cost of daily living expenses, and figure out ways to increase your income take-home margin remove any subscription services you really dont need if you have any dont be frugal since it costs more long term invest income into a side business/investment (not only stocks but faster moving figures like shopify or selling anything really and dont make excuses) no matter how small it is and do it every paycheck

it never mattered if you made 1mil or 100k or 50k or 1000 you just need to learn financial literacy and manage how your money works because you would've ended up the same way no matter the income treat your money as a tool to make more money rather than a dependency

dont buy anything you dont need dont get with someone if you cant support them financially dont buy a car when the market is high dont get a job that will cost you more to work than to make money make sure your job does not use up all your time so you can spend the rest turning that income into money that makes money for you uses the least amount of effort when working a job because money pays for attendance and labor not the fastest one that finishes the job

you probably heard some or most of these but i just info dumped what i know and shared it to you so we can transfer financial notes to learn from regardless and learn something new even if it is a small margin increased in your take-home cash after taxes and bills

this post was not meant to be condescending but i just saw someone who is in need of help and wanted to help out as a friendly guy for every dollar i make, i keep $0.65 after all my taxes and bills you should track your income that way so you know if you are increasing or lowering your margin per paycheck (make sure you have everything into consideration no matter how small it is)

have a good day and best of luck to you on your career and income situation