<prompt> Human: So I just found out I am going to be a father for the first time. My wife and I have no idea how to budget, and are pretty close to maxed out financially. I was wondering if oneor all of you could help me build a budget? Generally I wouldnt ask for advice or help, but Im a proud new father, who is scared to death of not being able to provide due to my debt. Im not sure what info exactly you will need but I will give you any of the figures you need to make this as accurate as possible. The short of it, we are 10k in credit card debt, have 900 in car payments that cant go, 1600 mortgage payment, and take home roughly 6k a month. Please help me fix this crap. Assistant: What are your monthly expenses? Where is your money going?Human: Monthly expenses are around 3700 a month total. Money is going to bills, and debt.  <response>: This is bad. We dont want to know how much, we want to know to what.We cant help you cut the fat if you dont tell us where the fat is, man. 