[BruceIV]

I don't know why you want another 10-15k, or what your current situation is (though it sounds like you're a programmer making okay money), so this might not be useful advice, but you can get a surprising amount of mileage out of a good budget, with surprisingly few trade offs.

Cars are often huge money sinks. Also, people tend not to examine their housing situation for efficiencies (I have a number twenty-something friends in small towns who own houses with rental properties that cover nearly all their mortgages) - also, you can generally move closer to work and bike or take transit (assuming you're not a consultant and "work" is a fixed place); this goes back to cars being money sinks and commuting really being terrible. You can eat really well quite cheaply if you want to put in some time and make your own food (a bagged lunch over eating out at work could save you $1000 a year, and that's just one thing). Anyway, the Internet is full of useful tips to save money, but you can get a bunch done by just mapping out your monthly spending and looking for places to trim the fat. Maybe that won't cover the whole 10-15K you're looking for, but it's a good start.