<prompt> Human: Hi everyone, Not sure why I am using one of my throwaway accounts for this but regardless, I am hoping someone can shed some insight on the best way to tackle our debt with a baby on the way. We used to make combined, around 115,000 a year, until a unexpected health issue caused me to no longer be able to work full time, let alone barely part time, and now I am pregnant and we are moving to another city and are struggling to get me out of overdraft and basically feed ourselves and save for this baby due November. Some details:SO makes 53,000 a yearSO has 25,000 in student loans - minimum monthly payment 300SO has 5000 in line of credit - minimum monthly payment 225 SO has 6000 in credit card debt - minimum monthly payment 75I now make only about 20,000 a year, and that will be decreasing in a few weeks to probably an intake of only 1400 a month if Im lucky while on disability for the remainder of my pregnancy, and a year of maternity leave benefits after birth.I have 6000 in credit card debt - minimum monthly payment 75Ive lately hovered between -800 to -200 in overdraft every few weeks after trying to pay all my bills, and cover as much as I can for groceries, gas, misc., etc. EDIT Its been suggested I should of added our monthly budget:-Rent - 1475-Electric - 70-Car Payment - 375-Car Insurance - 130-Cell Phone 1 70-Cell Phone 2 SO 80-CableInternet 120-Approx gas 250-Approx groceries 500-Misc 300Should we merge our finances and open one joint account to pool all the money we will be making this year estimated 70,000 combined and pay all our bills from that one account? Or should we just follow a strict budget and keeps our accounts separate still?My SO fears we will still be overdraft all the time if we pooled our money, but I thought if it all came out of one pool, it would be more balanced. Ive never been in this situation before and Im just not sure we are doing everything we can to fix it. What do you think?Thank you!  <response>: Since you two are having a baby together, I would say pooling funds is a smart thing to do. Getting married might be another smart thing to do, even if its just for the legal issues that youre avoiding that way and I believe there will also be tax benefits. 