[lkbm]

> Check your monthly recurring expenses, do you really need NetFlix, Disney+, HBO AND Youtube Premium?

So, I agree with checking and pruning even the little things, but the cost of all four of those combined come to 0.4% of OP's income. Whatever monthly recurring expenses are eating up $110k, it's likely more the daily $15 coffees or five-nights-a-week food deliveries for $100+ a pop, not a monthly $15 bill for Netflix.

Some things are more expensive in NYC. Netflix is the same cost everywhere.

[masta]

In the end it's mainly about developing an habit to check your expenses. This can easily get to 100-150$ recouped per month. Which, when going into settling high interest debts makes a huge difference.