<prompt> Human: Obvious throwaway. My wife and I make around 83K a year. 6900 a month take home. Paying out over 5000 a month in debt.Vehicle debt about 36K, Her car312, daughters car 235, my motorcycle 205 or 752 a month.Mortgage 161K balance, 933 a month mortgage About 14K in equity.My wife has about 10K in student loans. Hasnt started paying on them yet, she just finished school, but wants to continue her education, taking most of her income off of the table this fall.In credit cards a month we pay a minimum of 1300, just the minimums. 10 different CC accounts, I would hate to even add them up right now.Insurance 340cell phones 260Cable and internet 150Netflix is 9Security system is 59Xbox live is 12 I think.Newspaper is 4Utilities are 200 a month.Spend about 300 a month in gas.Spend about 600 a month of groceries.300 a month or so on misc expenses.Paid off truck worth about 4K.Paid off car worth about 15K.Land payment is 90 a month. About 14K in equity, not associated with the home.I have a retirement plan with about 20K in it. Wife has none. We have three kids and have been married 17 years. My income will increase by 600 per month in August.I think we should sell off as much as we can and pay down our CC bills. My wife has always been a spender and not a saver. Her philosophy has always been we are always going to have debt, so why worry about it. I have excellent job security, she is just starting out. Give it to me honest, dont sugarcoat it.  <response>: These recommendations are all good and should be considered. All is for naught, however, if your wife is not on board. Digging out of this hole is going to take commitment. 