First of all, you can make a detailed budget plan and record the monthly expenses. After deducting mortgage, rent and car loan, the remaining income is used for savings as much as possible.

Secondly, we can consider optimizing expenses and reducing some unnecessary expenses. For example, reduce the number of dining out, choose the right discounted goods when shopping, and so on.

In addition, you can increase your income through investment and wealth management. For example, you can buy low-risk investment varieties such as money funds and bond funds to increase the value of idle funds.

Finally, I suggest you consider applying for a raise, or find a part-time job to increase your income. At the same time, you can also find some ways to save money, such as using coupons and buying second-hand goods.