<prompt> Human: EDIT: TITLE SHOULD SAY 240KYR. WE ARE NOT 1ERS. WE ARE MIDDLEUPPER MIDDLE CLASS.He works in finance and Im a full time teacher and struggling model. I kind of let him take charge of the finances because, hey, thats his job... but hes clearly doing a terrible job at it. We have about 55K that is fairly liquid and no other major assets. Hes not saving for retirement.INCOME:20K or soTotal: 20KMONTHLY EXPENSES3200 for rent utilities etc on a 1 bedroom 600sq ft unit350 for parking200 groceries fairly frugal. A lot of rice and beans.250 in restaurants maybe 1 nice meal a month and a slice of pizza every once in a while.100 in alcohol reasonable200 car payment at 0 we have to pay this though, my SOs dad was graceful enough to lend us the money when we bought it 3 years ago interest free on the condition we pay it back 200month150 health insurance100 for phone internet netflix etc100 for car expenses400 in clothes sadly necessary for both of our professions.400 in entertainment we do mostly cheap stuff, but life in an expensive city100 in random household shit150 additional life insurance he gets it through work too but Im fucked if he dies, so we have extra14400 on debtTOTAL: 20KDEBTMy student loans 119K at 9 minimum payment like 1500His student loans 22K at 5 minimum payment like 200 or somethingMy credit card debt 85K at 19.8 minimum payment like 850. I cant remember if it is 1 or 1.5 minimumHis credit card debt, anywhere from 2K-5K at 14.9 200Hospital bill 59K at 5 already negotiated down 1000TOTAL: 3750 minimum. Ideally 10000 or so to pay everything off faster. But he devotes the entire 14400 to it! It doenst increase the speed of paying it off that much, but that 4000 could make our lives so much better.He also pays it poorly. Like, hell pay off his credit card debt in full every month even though that is a lower interest rate than mine. And I know were spending a lot, but it is necessary. We live in a very expensive city NYC - Manhattan. How do I get him to quit throwing all our money on debt? We barely have any money left for leisure. 400month is like 1 concert a month. Most of the stuff we do for fun is free, which is nice, but it gets boring after the millionth time. He gets a pension but beyond that we arent even savin for retirement for fucks sake.Assistant: How do I get him to quit throwing all our money on debt?Um. dont.how does he get you to live within your means?You have an insane amount of debt at insane interest rates. I bought my house in 2003 for 85,000. How did you run that up on a credit card? Cut up the credit cards. If you carry a balance you are doing it wrong. Keep on the strict budget and retire that debt.When you have these debts cleared up, you will have a ridiculous amount of disposable income. Human: how does he get you to live within your means?We are living WELL below our means. I just want to live BELOW our means instead of WELL BELOW so we arent miserable.  <response>: I am sorry, If you are a teacher with 85,000 in credit card debt you are not living below your means.What is happening now is the consequences of or the solution to that behavior. 