I've been working in a kindergarten for 18 years and I see how many parents stress about money, so I understand your situation. Start small - track where your money goes for at least a week, you'll usually find spending you forgot about (coffee, small purchases, subscriptions), and even cutting 2-3 thousand a month can be set aside separately. Try a savings account at a bank with a small interest rate so the money sits separately and you're not tempted to spend it - psychologically it really helps. And honestly, you can save for a car over several years, the main thing is to start, even if you're putting away just a little bit, you'll get used to it over time and it'll get easier.