<prompt> Human: Male 28 here, I have no student debt but I have NOT made good financial decisions in the past 2 years. Having a little one on the way made me take a new perspective on things and I need help. Combined income at 95k.Wife and I own USDA loan on house at 0 down.Mortgage: 1215 includes escrow, insurance, taxes, etc.Electric: Roughly 250 monthlyUtilities: 180 quarterlyCars: I owe 16k on a car worth 13k at best.Wife leases a kia and still has 2 years on that.Credit cards 5k from me, 5k from wife, all high interest accounts She has about 30k in student loan debt.I just signed a contact with verizon for 2 years of service at 105 a month.Car insurance runs us about 150.00 monthly.That is the bulk of it. Do I have any options? My credit score is a surprisingly high 715. I pay everything on time but have no money for anything. I expect an onslaught of the comments asking me what I was thinking... We werent. I have no savings besides 401k. I am not willing to touch that. How do the wife and I move forward in a way that will benefit my future child?  <response>: Youve only listed probably about 13 of your expenses.So for housing youre paying 1,525 a month.How much are you paying for the cars?How much are your credit card payments a month?How much is the Student loan payment a month?How much do you pay in food every month?What about medical expenses, random spending money, traveling, fuel for the vehicles, personal care, clothing, gifts birthdays and Christmasother-religious-holidays-in-the-winter, car service, home maintenance?That is the bulk of it. Do I have any options? My credit score is a surprisingly high 715. I pay everything on time but have no money for anything.We cant answer this without more information. 