Where is all the money going?

I was eating dinner about two weeks ago and was talking about money and the person that I was eating with was asking me about my nut (how much I have to make each month to survive). I replied I didnt know for sure, but if I make $4,000 in a month, my bankroll doesn’t go up, and it maybe even drops. He was astonished by this. Talking to other people about the same thing I keep hearing numbers of 2000 as high and most people are below that. So where is all my money going? I dont party a lot and frankely I stay at home moreso than most people it seems.
Now I do have bills. I financed my new truck with a 3 year loan, I have more student loans than most people, my car insurance seems rather high, still have some credit card balances, and the …