<human>: Could you distill the essence of the text into 1-3 sentences?

I will admit this is from a dissussion here. 

>>$458 per month to max an IRA isn't "easy" by any stretch of the imagination, not to mention adding in $1458 per month to max the TSP. I don't know many people who have 2K every month just to kick around.
>
>That's $1916
>
>You don't make that till you are a spc or a pfc at over 2 years. Then thats also only giving you $100-$200 a month for anything else. Phone bill +$50-$100. What about if you want tv in your barracks? Tv+ internet + another $50-$100. Now you need to be an e5 at 2 years or spc at 4 years to be able to max both. Car payment because you didn't own a car before the army, so you don't have to rely on other people all the time? +$200 at least.

>Unless you want to sit in your B's doing absolutely nothing or walk to the mwr for entertainment just to save up to buy a pizza once a month or to buy a uniform cause you ripped a pair of pants and clothing allowance isn't for another 9 months then it's almost impossible to max tsp and ira as a single enlisted soldier until you have been in at least 4+ years.
<bot>: in the furthering comments, op is stating spending around $400 on bills is too much. Including Cell phone, tv/internet, and a car payment.