Carry a spare belt and a spare hydraulic hose for every machine you run, plus the tools to swap them. A belt and hose cost you maybe 60 bucks total and they're the two things that break most on a grinder, so having them in the truck means you never lose two hours to a parts run again. Also, next time a job goes sideways on gear, call the client before you leave the driveway and tell them what's up, because most folks are fine with a delay but they hate being surprised by it.

I used to be one of those people who told everyone the 50/30/20 rule was gospel (my cousin got the same lecture from me over coffee two years ago). Then my sister moved to San Francisco and I watched her try to make it work on a $72k salary with $2,400 rent, and it fell apart fast. The rule was built for people paying maybe 25-30% of their pay on housing, not 52% like you, so no wonder the math broke. What changed my mind was seeing her stop saving anything at all because the rule made her feel like a failure instead of just adjusting the numbers. A better split for high rent cities is usually something like 60/20/20 or even 65/15/20, where you keep the savings habit but stop pretending rent belongs in that 50% box. Your car registration and groceries are not "wants" you can wish away, they are real costs, so build the split around your life instead of twisting your life to fit some guy's chart.