Homefinancial budgetFinancial Planningfinancial planning processmoney saving ideasBehind due to irresponsible youth & a bad divorce. I'm 36 now. I do have income on my side but no plan. Household income is 150k/yr . Mortgage/vehicles ~3k/mo, other bills ~3k/mo. No credit card debt. 40k in 401k & 10k savings. Saving 10% in 401k & 5% into savings, & opened Roth IRA with $2500.