 That's only $36,000. You should be getting home with a lot more than that on a 54 income. Something's wrong with your math. So you need to investigate why you're not getting home with more money and understand that. And if there's some things you can cancel there, like if you've got a bunch of rip-off insurance or something that's not your health insurance at work, then getting nickel and dime. And if you're getting a tax refund, you need to change your withholding, and I think you probably are.