I suggest that you establish a prioritized financial plan. That means that you should set goals and reach them in an order.
Small EF (1000)
Debt freedom
3 to 6 month EF (5000 to 10000)
10 to 15% retirement ( your choice)
College fund
Vacation fund
As you can see, in my plan, your vacation 2 months from now does not happen. If you want to reach your goals and prosper, your going to have to learn to prioritize and sacrifice for a better plan. I wasted 20 years not prospering because I didn't prioritize, now that I'm on track I'm prepaired for hardship and am prospering with much less stress.
It's good to see that you are looking for information to better yourself, I hope you get on a plan with a good budget and stick to it. Good luck.
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