<prompt> Human: TL;DR - Im at a loss as to what else I can reduce costs on, where to shave expenses or even where to get extra income.Caveat: Were not irresponsible and reckless people, we made financial decisions when they made sense and chose to enjoy our lives in our new home, but several compounding issues have put us in a bad place. Weve made adjustments and sacrifices and know we can make more, but were hoping the PF community has ideas on how else to budgetsaveearn to help us in the near term. Were not looking to be shamed, were just looking for advice.My situation: My wife 32 and I 30 moved to the US from the UK with a small amount of savings and a rental property back home We secured jobs in the region of 130kyear combined, and were very grateful for that and know we are fortunate We live in Southern California which is 5x the cost of our living back home Medical issue landed us in 40k debt Student loans increased by 400 due to moving abroad Rental income no longer covers mortgage on property in the UK, recently defaulted on the mortgage payment My employer offered me an opportunity with a potential higher earning conveniently in place of a reviewraise but this came with a 25 cut in salary, with the goal of commission. Due to factors outside my control, this has been unobtainable with no near-term resolution A tax issue with our UK property has landed us in further debt needing immediate payment Outgoings: Current financial long-term commitments: Car payments for the next three years, cell phone contracts for the next ten months, rent for the next 11 months equating to about 3.8kmonth Utilities, bills and insurance add up to about 600month Wifes medical insurance 300mo employer provides mine Spend 300mo on groceries at Aldi low cost and avoid any waste We have avoided eating and drinking out unless its a friends birthday or special circumstances, typically 3-4 timesmonth at about 300mo Yeah, I know what youre going to say Gas is about 400mo between us, we both have to drive a lot Debt and repayments adding up to 3kmo but could increase Lastly and most importantly; weve exhausted our savings and are now living paycheck to paycheck Total outgoings: 8.7kmoSteps weve taken: Moved out of our house at the earliest opportunity for a total of 10 reduction in rent we already had a good deal, however, we were in a furnished property so needed to buy all appliances, bed, storage, etc Cut cable as well as any other subscription services Negotiated internet bill to the lowest available rate of 80 month-to-month Reviewed car leases to see if we can buy out, but this isnt viable right now Arranged to work from home for me on Fridays saves 1x commute Arranged carpools where possible, saving maybe 2 commutesmonthSteps we havent taken yet: Cut Netflix Cut gym membership 30mo each Explored debt consolidation in full, knowing we might get a better raterepayments if we make a long-term financial commitmentOther factors: We desperately want kids, and biologically time is running out for us, it will break my wifes heart if this struggle is the cause of us not being able to have children We know that our car payments are high and we live in a desirable part of the world, we know were guilty of a degree of naivety and hopefulness, and we know we have failed to prepare for the unforeseen, but many of our unexpected problems were excessive Weve been incredibly fortunate in our lives until now, weve never been rich, but weve been comfortable and consistent, so admittedly weve never had to plan or react to problems like this Although we emigrated for a better lifestyle, we have discussed relocating, however with our debt and lack of savings this isnt viable right now Since California is an at-will employment state, we both live in the constant anxiety that each day could be our last at our jobs, with no buffer to tide us over until we find new jobsAll in all, its taking a huge toll on us as a couple, financially and emotionally and Im worried its going to cause problems for us both in the short and long term. Im at the stage where this is what I worry about instead of sleeping, and as a proud person, it fills me with shame that I try to hide every day. Ive loved reading PF for a long time, but this time Im asking for help; what else can I do to create some breathing room, ease the strain and even prepare a little for the future, whatever it may or may not bring. ---Edit to answer some recurring questions Accidentally put wifes medical insurance in utilities as well as separate, revised the numbers Wed consider getting rid of our cars, we both need one its California, no transport but the cost of ending our leases and replacing them is too high right now, plus our credit is ruined from our current situation so wed likely screw ourselves over very quickly Currently assessing my job opportunities, I really enjoy my job, workplace, and coworkers and walking away feels like a short-term gain. Id hate to leave but may be left with little choice. The other opportunities arent in abundance, so I cant just step into another job so easily Lots of advice to ditch the gym membership, I guess well need to but its a fraction of our expenses, well lose a lot health-wise by doing so Moving elsewhere: This is on the table, but right now were in a commitment with our rental and dont have the funds to initiate the move. This is one of the ideas that will cost money to save money, which we cant afford right now UK property: Wed be tempted to sell, but it will cost us money and ultimately, given we arent able to save or contribute to retirement right now, may be our only long term back up. To clarify on the defaulting, weve resolved it and are on top of our payments right now by sending money back, but it was previously paying for itself Added a caveat  <response>: Wow, Im sorry, these numbers are absurd for your income level. I just left the Bay Area and we were paying less for rentcar paymentcell phones than your total with more income, and SF Bay is significantly more expensive. How much are you paying on cars? Are they leases? Unless your rent is extreme... I think you need to sell the UK house before it completely drags you down. Youve got so many financial problems tied to it; its not an income stream but has become a debt. Can you even sell it now that its in default and has the other issue? I think I read that correctly... I see you making a lot of excuses for why not to cut extras like the gym. Is the gym really worth more than saving up an emergency fund so youre not completely screwed if yet another problem arises? 