The moment my fifth and final kid left for the Army, suddenly my monthly expenses went from a big number to a not big number. Three minute commute, no medical issues (knock on wood), and my business is booming thanks to those greenies and their newfangled battery cars. After decades of casual mongering, has been now a year of solid debauchery the likes that even Caligula would have blushed.
As fffinster said, clean up your finances, most people are a lot richer than they think they are. And most important, learn how to use excel or quicken, and then DO it. diversify your bonds derr derr
Also, you do you, but 400 bucks is a lot. Have to set reasonable expectations, and a bottom line. If you demand always finding a 10 for an hour, well, ok yea you're gonna be once a month or something. If you believe, like grandfather always said, "sixes and sevens make the world go round", then your budget might go twice as far or more.
As other wise man once said, it's not how much you make, it's how much you keep. Quit smoking, quit buying horseshit, delete all Wawa locations from your Google maps, if you love the hobby, get all up in it for the win.