Without writing out my whole life story: student loans, unexpected vehicle issues (public transit isn't an option where I live), out of pocket medical costs not covered by benefits or gov't, long commutes with expensive gas and no feasible alternatives and few job opportunities closer to home in my field. Can't afford to move due to high rents so I'm stuck driving.
There's more but I'm hungry and wanna eat dinner and don't feel like going into it. We save everything that isn't essential and barely go out for fun, anything extra goes towards a down payment but the way things are going right not it doesn't look like we'll be able to buy for years unless we can put away like 2k a month.
Yup that too.
My partner got food poisoning a few years ago and kicked her food intolerances up a level where even trace amounts now wreck her so we've had to go to the dairy free route which is expensive and very limiting. Her doctor recently told her to try cutting gluten so now I have to relearn how to shop and cook to accommodate that which adds more to the bill. She's essentially a gluten free vegan who eats meat.