<prompt> Human: So currently I make 2,500 a month after taxes and health insurance. I am not sure if this seems like a lot but we have no room for mistakes with budget primarily due to our car situation. This is a breakdown of what our current bills are:Car Payments: 689 we are upside down on both, not terribly, but cant sell them unfortunately. Car insurance: 355Food: 300Electric: 60Internet: 60Misc: 100 diapers and personal hygieneRentWaterTrash: 1000Gas: 150 Credit Cards: 200Medical Debt: 185 So with this is doesnt actually seem that we can afford this on my income. My wife is currently going to school and we are going to be using some of her student loans to cover the gap as well as she is looking for a part time job. I am a very frugal person and my wife is becoming one currently, but I like to have a buffer which it seems we cant have. Just looking for suggestions on if we are doing anything wrong. I am probably going to get a second job myself to help as well. Any help would be greatly appreciated. Thank you!Assistant: Almost half of your income is going to cars. Thats your problem. Human: Yeah unfortunately we made some mistakes buying two new cars. Weve repeatedly tried to come up with solutions to that, like selling one. But like I said were just upside down and if we sold one wed still have to pay a couple thousand on the loan due to the value. My wife was an adjuster so shes run the numbers on the value of the cars. And for our insurance were both under 25 so weve shopped rates and thats about as good as well get :  <response>: You have to pony up some cash up front to sell the car, but then you avoid paying several hundred a month for the next few years. If you dont need both cars seems to be true from your explanations then dont make excuses about it. Work more, or use part of your loans to pay off the more expensive car, then use the savings from car payment and insurance to cover the loan amount. 