<prompt> Human: TLDR: my fiance and i need to get our shit together.Im hoping you all will be able to help us figure out what we need to do, because we dont even know where to begin. Im just going to put it all out there and hopefully someone can help us figure it out.We currently live with my fiancés family. Meaning his grandparents, mother, 2 younger brothers, and us. Its fucking jam packed and it sucks, but our rent is only 200 a month. We want to move as soon as possible, and need help figuring out the smartest way financially to do this.We have a car payment of approx. 635 insurance included and have to buy another car immediately; i totalled mine in March and we work different schedules so 2 cars is a must. My car payment will be similar to what it was on my last car, approx. 561 insurance included. Im thinking that could possibly go down; my last car was bought through a predatory dealershiplender so Im hoping going to a legitimate dealership will get me lower ratespayments.I posted about this previously in here of you need more info on that situation.. The loan was paid off through my insurance and gap insurance. Advice on this process would be great... i clearly didnt know what i was doing the first time.Altogether, our monthly expenses total 2160 including the rent and car payment. We have credit card debt of approx. 2900 as well as a consolidation loan of approx. 10900. We make the minimum monthly payment on all three. Our monthly combined income is approx. 3200, leaving us with 1040 after expenses. Because we are horrible, none of this goes to savings and is wasted on random bullshit.My fiancé is a chef and was offered a job recently that is basically his dream job, and would increase our montly income to 4,600. He hasnt decided if hes going to take the job yet, but if he decides to, we would like advice on how to responsibly manage the increase in income while also accomplishing the goals we have.Edit: We are aware that our vehicle expenses are approx. 40 of our income. However, it is a necessary evil at this point. His family is unwilling to take me back and forth to work and his schedule doesnt allow for us to carpool. Should he decide to take the other job, his schedule would possibly then allow for us to only have one vehicle.  <response>: Youre going to be swimming in car payments... 