I guess pardoning Libby is what Trump considers "draining the swamp"

The best line item to start with would be your house.  You have to live somewhere. Most people live in a house that is too exspensive for them. Most people also carry a 30 year mortgage. And the FDIC says 97% of people don't pay extra on it.  So, if you can get your mindset right on the biggest bill that you will have and get your mindset right about investing --- you have the biggest part of it done.  The rest is simply staying within your means and not blowing your budget.  If you cannot afford a new phone, do not get one.  And that works the same with anything.  Do not buy new cars, for example. But so many people do this --- over and over.