<prompt> Human: This post is admittedly about more than buying a car, but Ill start there.My wifes car died over a month ago, and we still havent replaced it. She has been driving her dads old 93 626. We need to replace her car as soon as possible. I am driving a 2006 Toyota Solara that has 140,000 miles on it.We bought a house in December, started YNAB in January. It has been the missing link for us. We were never able to budget before, despite trying different systems. This feels like the beginning of a very slow process toward a healthy financial situation.Here are the facts: We are pulling about 4500 a month after taxes. Our mortgage payment is 721 561 payment taxes insurance pmi. We still owe 79,810.69 at 3.125. 15 year mortgage Our student loan debt is over 60,000 15,500 6.8 11,700 6 10,900 5.25 13,500 4.5 9,000 3.4 We also contribute 70month to a parent plus loan my wifes parents are paying on. That brings our total monthly student loan payment to 861 Our monthly expenses beyond our mortgage and student loan payments total 1,850. That is bare bones with no savings, spending money, etc. We also have an 869 balance on a 018mo credit card. We also owe my parents 450, though we dont make payments on this debt every month. Both of us have government jobs and are not required to contribute to our retirement plans. We have 1,500 in an emergency fund and are expecting about 1000 in tax refunds.After we got YNAB going, I decided to take another look at mint.com to see our complete financial situation. It lists our net worth as -53,000. Buying a car seems impossible right now -- all the 900 beaters on Craigslist terrify me, and the thought of a car loan seems like digging in the wrong direction.Beyond this, we one day want my wife to stay home once we have children. I have no idea how that could be possible, even if we sold our house and rented a one bedroom apartment.Do you have any advice? What would you do in our situation?EDIT: Some have asked me to list the expenses that make up the 1,850 after mortgagestudent loansI used estimates for some of these, but it should add up to around 1,850 Church tithe currently 10 of the gross: 633 Water: 39.10 Electricity: 90 Natural gas: 165 this is based on our first couple of months here...should be less in the summer Car insurance: 68.58 should go downup based on what kind of car we get Groceries: 440 Fuel cars: 200 Personal care haircuts, etc.: 50 Amazon Prime: 8.25 Credit card bill: 80 Cell bill: 110 Internet: 40EDIT 2:Really interesting that everyone assumed I am Mormon. Actually currently attending a Presbyterian church. I dont tithe so I can go to heaven, or so that God will bless me. I tithe mainly to support my local church whose mission and purpose I believe in. Some of you have given me things to think about, and I may talk to the elders at my church about lowering my tithe percentage while we claw our way out of debt.  <response>: Be religious but reevaluate how much you give to the church. You could almost double mortgage payments, afford a decent car payment, pay off your debt, etc... 