<prompt> Human: Hi folks, Im looking for some advice in reducing CC debt and improving overall financial health. About me; Im a 36 year old man with a wife and 2 kids. We have accumulated almost 50k in CC debt over the past 5 years after moving into a new home, making renovations, and a myriad of impulse purchases. I have created a monthly budget but have not been able to stick to it. I have also tried tracking my spending habits using YNAB, but not consistently. Im not currently having problems paying my monthly bills, but I never seem to have anything extra, and periodically have to dip into savings. My current situation is as follows: Monthly Net Income -6,400 My wife also nets aprox. 4,000, but we have separate accounts Savings -10,000 6k allocated for Disney vacation Monthly Bills: Mortgage on primary home - 1,800 Credit Card Debt - 1,100 Mortgage on rental property - 765 Truck payment - 365 Other bills groceries, insurance, cell phone, gas, etc. - 1,500 Credit Scores according to CreditKarma TransUnion 675 Equifax 679 Cards with balances: Chase Slate Chase Freedom Citi Diamond Prefered Citi Simplicity Barclays Arrival Discover IT Imgur I also have several store cards with zero balances. My total utilization is 53, but the cards listed above are at 70 or higher, so Im thinking about applying for another card, to move some to a 0 card to avoid the high interest rates, which are 19-20 in some cases. I have received pre-qualified offers from Wells Fargo and Amex. Im curious if anyone has any recommendations for these or other cards, based on my scores? Id like to maximize my initial CL for balance transfers, so Im most interested in a bank that will be easy to work with if I need to request an immediate increase. I have about 9,000 in an investment account that I want to withdraw and pay off my truck 7k owed. I would then be able to put that 365month toward CC debt going forward. Is this a good idea, or should I apply it in some other way? Any advice is appreciated. Thanks in advance.EDIT: The interest rate on my truck is low, 4.99. I realize that my idea of paying off the truck to put an extra 350month toward CC debt was a flawed plan. I will plan on using that money to pay down my higher interest cards first. Our financial situation is dire, but we did gross 150k last year and live in a fairly low cost area. Obviously, most of the debt was accrued before we were making this much. So now that we have a substantial income stream Im looking for advise on paying down that debt quickly. Disney, Disney, Disney. Wow. So much emotional turmoil over a vacation. Just to be clear, we havent booked it yet. I know its expensive and I know its a frivolous expenditure, but I would rather take an extra 6 months to pay off our debt than disallow my kids a great childhood experience like that they are 6 and 3. I understand that earmarking that money now doesnt make any sense, so the 6k will go toward CC debt. If we can diligently save enough over the next 6-8 months, we may still go.  <response>: Check-out and listen to a few of the podcasts of his show. Its not what youre going to want to hear... but its what you need to hear.The truth is, to pay off your debt, you have to actually do something. You cant just say I cant stick to my budget, somebody help me. You have to get motivated not to accept failure... otherwise, youre just going to fail every time.A 6k Disney vacation is insane in your situation. And Im not like the other commentators. I mean to be rude. Its kind of making me mad just reading that.Do you want to get out of debt, or do you want to just say screw it. Because theres no middle ground where youre living like youre just saying screw it but also somehow magically gaming the system and getting out of debt. 