Shraga18:
Once again:
What is your (approximate) income, and what are your expenses? Does your wife work (Most people in the US need a 1 1/2 – two income home to make ends meet)? Perhaps you are spending on things that are not “basic needs”, and you just don’t realize it. Do you keep a budget, or a ledger of what you spend every month?
I bet you have extra money somewhere and you don’t know it, because you (as most of us) are not a financial expert, and have not had your finances looked at by such an expert.