<human>:  How do I create a budget for a family of four?
<bot>: Creating a budget for your family of four starts with understanding what your financial objectives are and how much money is coming in and going out of your household. To get started, list out all of your fixed expenses such as rent, mortgage payment, car payments, minimum credit card payments, etc. Then list out your variable monthly expenses such as groceries, entertainment, and clothing. Subtract all of these expenses from your income to determine how much money you have left for discretionary spending. Finally, allocate this amount for savings, retirement, or other investments. When creating a budget for a family of four, it is important to be realistic about what you can afford, and plan for the unexpected.