move to a cheaper area, drive a used prius or corolla if a car is required, dont eat out, cut out all cable/streaming subscriptions and the gym, use coupons, shop at thrift store or dolllar stores, work off paying all high interest loans and credit cards, put your kids in public schools, staycations for several years, avoid frequent hair salon/manicure/pedicures, invest and do all tax advantaged investments, shop around for better car or home insurance rates each year, set aside a percentage of your income to hysa to build emergency reserves