<prompt> Human: Im following a similar post title just because I need to get this off my chest.My wife and I make 70k each, we both have masters degrees but stuck in shitty industries. We starched ourselves out bought a place about three years ago, it ate 25 then but thankfully our income that has gone up a bit and our home value has also gone up significantly, now its like 22 but our equity has tripled, and were looking to tap into it so we can send our two kids to daycare. One now and the next one in two years.Our monthly expenses are pretty tapped out, with two kids and live-in aging parents that help with the kids while we are at work, theres little room to splurge or afford getaways. Recently we sold her paid off car since my new job is only 40min walk, not paying insurance on it will alleviate the car payments on the family car.We have about 17k in CC debt, mostly zero percent because of our credit scores we get good offers, but well only be able to extend that for another year or so. We do payments but wont be able to pay it off anytime time soon.Weve been thinking about second jobs, but we just dont have the time and we rather spend it with our precious ones. I think well burn 30k-40k of equity in the next 5 years because of daycare. It will be public schools after that. Which is a whole different ball of shit. We truly wish we could have just stay with one kid. Were professionals, just dont know how were going to swing two of them. And these are the good times.  <response>: You should be able to make a list such as the following:___Net monthly income after taxes and deductions: 8,400Mortgage including insurance and taxes: 2,500Utilities: 350Child Care: 2,000CC minimum payments: 400Car payment: 300Car insurance: 80Food groceries, convenience store snacks, restaurants, fast food, coffee: 800Subscription services and phones: 200Misc: Clothes, household supplies, toys, purses, alcohol, vacuum cleaners, gifts, gym, classes etc: 500Total Expenses: 7,130Surplus: 1,270___We have absolutely now way to help you because you havent listed this information. In fact, you probably dont even know it! You might not know if you have perfectly reasonable food expenses for a family up to their ears in debt Say, 400 a month, or you might be bleeding out absolutely extravagant amounts 1,100 each month without even knowing it!The misc category could be huge also. Did you spend 2,000 last month on clothes, jewelry, and purses as a family reasonable? Or did you spend 8,000 unreasonable?While you work on that, I recommend reading News Flash: Your debt is an Emergency 