<prompt> Human: Hello rPF,Ive been reading over your Wiki and latest posts for a few days now and was wondering if anyone would be willing to help me talk through this situation and figure out a game plan. Using a throwaway account as my normal account is a little too well known outside of Reddit.Two and a half years ago I managed to recover from a disastrous divorce and pay off about 30K in debt. I remarried and we had our first child. Everything was going well, my wife and I had a combined income of 110Kyr at this point. I ended up losing that job due to the business failing and given our location and limitation of not being able to move due to my wifes career I havent been able to field work in my field for the past year and a half. No biggie. I decided to find myself and tried a few new industries commissioned sales, IT support but nothing really jumped out at me.As with all stories, theres a catalyst that begins a downturn. Late one night when it was raining I wrecked my motorcycle and was laid up in bed for quite some time. Since I wasnt able to work at all, only my wifes income was left at 36kyr after taxes. Since we went from 6 figures to 36k, it was a hard crunch. We moved to a smaller apartment which is still expensive, but we have two practically brand new cars as well as a mountain of credit card debt trying to make ends meet where there used to be money.Silver lining is we have no medical bills as her insurance covered everything. I woke up a couple weeks ago and realized Ive lost all the progress I made in life, and since the field I worked in was kind of niche I have no formal college education. Ive been sending out my resume to probably around 200 open positions within the commuting area here and havent had much luck. In the meantime, our financial picture has gotten pretty bad...Income Wife: 3000mo Me: 0moLiabilities Rent: 1,200mo Utilities: 160mo CableInternet: 0mo Phone: 245mo Car 1: 499mo Upside down 7K Car 2: 429mo Upside down 6K Car Insurance: 120mo Gasoline: 50mo Student Loans: 62mo CC: 945mo Daycare: 600mo edit: Child was in daycare due to being physically unable to provide care. Still in daycare because waiting lists are so long if I found a job, we wouldnt be able to get her back into care. Groceries: 425mo incl. kiddo supplies Total: 4,735Net: 1,735Total liabilities: Cars 50K, Credit Cards 33K, Student Loans 1800 85KWeve survived this long due to me liquidating investments and savings after I got out of the hospital as I knew I wouldnt be able to work for quite some time. However, our savings will dry up within 1-2 months and our credit is tapped. We dont eat out, go to movies, dont pay for cable or internet as its included in our rental agreement, dont pay for any subscriptions e.g. HuluNetflixgamesetc. Basically, we have no lives outside of our home for the past 18 months, lol.Im to the point where I can function and could work, but nothing in manual labor or that would require prolong standingwalking. Its not permanent, just taking time with physical therapy.I have a full GI Bill to use if I ever went back to school, which is iffy. Im 26, my wife is 23. Were both young and have time to recover, but the problem is getting ahead of things. Without another source of income we have no way to float. Both of us are cutoffdisowned from our families, not that they would be in any position to help.Letting things go to collections and waiting out a SOL is not an option due to security clearances. My wife cant work a second job due to her primary position and schedule.What are our options?Assistant: Your fixed expenses are way, way way too high for someone with your income.You didnt move for work because your wife has a 40k a year career? You need to broaden your horizons and willingness to move.Also, youre unemployed yet still have daycare expenses?Human: I know, terrible decisions.Shes active duty military, we cant move.As was stated, I couldnt care for her so we put her in daycare. Now the waiting the lists are so long we couldnt put her back in if I did find work.  <response>: I would look into whether youre missing out on any subsidies for military families. Its possible youve become eligible due to the decrease in your income. 