<prompt> Human: Before I start I want to make it clear, Im not bragging or shaming myself but am truly lost extremely stressed looking for some help. We dont have any other family in US that can guide us on the right track Im not even sure on how to phrase my concern so please bear with me.Im from India a permanent resident in US for last 15 years. I have had cyclic issues with my finances, where I was extremely careless with credit cards as a Graduate student, but somehow sorted this out.Im 37 my wife is 34 we have 4 Year twin Girls Live in IllinoisIncome: 290,000 I make about 180000 Year wife 110,000YearDebts: NoneMortgage balance: 215,000 This is hugely concerning me since we are under water the house is valued at around 200000Savings: A little over 60,000 in 401K IRAWhole Life Insurance: 100,000 I pay annually 5000 for the last 9 years. Extremely complicated I have not paid much attention to, but from a reputed company in India LIC have a cash value of about 25,000 as of todaySavings earning guaranteed 80,000 earning fixed 9.5 for 3 Year periods from overseas From a nationalized bank very trust worthyReserve Cash: 80,000Expenses per month 8000 Included everything seems like bare minimum I cant think of any way to reduce thisGoal: Secure a stable life for the family our retirement dont really have a safety net at all.My concerns: We have not saved anything for kids collage. I only started contributing towards 401 K for last 3 years we never had retirement account till then, I feel we are not on the right track. We need to move purchase another house for better schooling district for kids in 2016. Im worried on selling renting the current house. Im thinking of switching to a full time job from a consultant my earnings will reduce to 130,000 Bonus 5-10 Health Insurance this might happen in the next 3 months. Im Extremely Extremely Extremely insecure about our finances this has started to cause a huge mood swings. I just realized we are hit with a tax bill for 5000 Thanks to AMT.On a scale of 1 to 10 worst to best where would you grade we stand compared to an Average American Family and can you kindly please guide us towards financial security.Edit: Thank you for the feedback. Something that brought about a smile on my face was a suggestion from drugstore_asm on possibility of moving some funds to earn interestEdit: Adding break down of personal Expenses. Mortgage, including Escrow Association Fee: 2020 3.5 interest rate no PMI Utility: 209 Phone: 160 Cable Internet: 130 Kids Pre K: 2000 Health Insurance: 630 Travel to work Metra: 342 Grocery: 700 Auto Gas: 200 Thanks to the drop in oil prices Misc: 700 Eating out Travel, buying some stuff, somehow it adds up to average this amount per year6 Month Expenses broken down per month 491 Life Insurance: 2500 Auto Insurance: 450 2 carsEdit 2:A few comments are around the fact if Im trolling or if this is a joke, I would like to clarify this is a sincere concern to our family. Most people we know seem a lot more stable well planned affording a 500K house travelling around the world yet on a considerable income. I just feel we have been way too restricted in our life style yet are very lost. It seems like 9 right decisions does not matter just 1 bad decision seems to bit us so very hard that leaves us regretting.  <response>: Is this a joke? 