<prompt> Human: Hey everyone! A friend recommended I check out this group. My husband and I claimed bankruptcy a year ago so thats out of the question. We currently rent an expensive house : we were in an apartment but have 4 kids and wanted to stay in the district, this was literally the only place for rent. Weve only been in this new place for 6 months. I made a dumb move and I have an expensive car we are paying off. I bought the car when my rent wasnt so high! Our car insurance is through the roof with our 2 cars. I would sell the car or something but I owe more than I would get for it. Every month we are JUST making it. It makes me ill wondering if we will make it through each month living here. I just feel like we have zero guidance. Theres so much more financially that Im lost. Where do you think we should begin? Im so torn with the car and the house. Everyones needs are just met and Im sick of not having any extra money to do anything FUN for our family.  <response>: Well these are the choices you made. This is a classic case of living above your means. You decided to have four kids. You decided to rent an expensive house, and buy an expensive car. If you cant lose the car, not much you can do besides list out your budget and find other expenses to cut. This is the expensive life you chose. 