re: Debt Debt Debt.

If the OP would give this board all of the details, then he would have 5+ people basically layout a path forward to fix his issues. He just hasn’t provided the details that are required for the board to give a specific plan...instead we keep providing one-off advice based on the limited information.

Give us on a monthly basis:
Household gross income
Household take home income
Any retirement savings contributions
All spending by type (not “food” but be specific like “groceries” , “restaurants”, etc.)

Then give us:
All debt owed by amount, interest rate
Durable assets that could potentially be sold (if any).
Balances of all retirement accounts and type of account

If the OP provides this, then the MTB can basically be a free financial advisor He’ll hear about 4-5 things as the priority from multiple posters which should provide a good BS detector. He will also recognize that the people who give a shite to post on this board are really good with personal finances.

I’ll wait and see what the OP decides and how bad he wants help. I recognize that giving that kind of detail can take some introspection.