<prompt> Human: So my wife and I often get into arguments over which debt to go after first .We both have about 20,000 in student loans so about40,000 total .We both have cars to pay down each month her used car and my newer car We both have credit cards to pay down . 4 cards . One is zero interest until July that we consolidated a few last year . One is Home Depot.The credit cards are near max , but Home Depot has some room .We share checking savings account. We are co-signed on each others car because my credit score is much higher than hers . We are on both authorized users on our credit cards . I think the money is OUR MONEY and she thinks her paycheck from her job is her money that I can use .Last year was an ugly year for us . We moved to a cheaper older home owned by her grandparents to be closer to her family and save money . Sadly that year the fridge broke , my truck broke , and computer needed to be replaced. She wants to go after student loan debts and always over pays them . The bill is always random amounts each month and she feels too embarrassed and too shy to call Fedloan and figure out what is what . So instead of dealing with it she just over pays , some months she doesnt have to pay because she over paid . I tell her this is not good and student loan debt is fine to pay minimum when we have so much other debt to worry about. I told her cars and student loan debt are fine to pay down slowly over 10 or so years . She doesnt like that .I tell her that is good debt to have and as long as we are paying it down its not bad. Since she disagrees with me whenever she gets paid she pays down Fedloan as soon as she can . So are left with little money to buy stuff we need and it usually go to credit cards to balance things out. She is very stubborn and thinks she is always right. I pay the vast majority of the bills with my income and balance the accounts . She wants to pay more down in savings but Im against putting huge amounts of money into savings when we are near drowning in credit card debt . Savings are good and it has bailed us out a few times .Before we got married I had to bail her out twice because she forgot to pay a bill student loans for a few months. She didnt want to pay for Obamacare before she got insurance from work and thinks she is invincible so never goes to the doctor. So we had to pay the tax penalty twice because she didnt pay her fair share of those bills . Twice we have been given money to go on honeymoon but twice we had to spend it on her student loan debt which she forgot to pay and eventually had to do a settlement or fixing cars my truck .My friend Steve gave us a Ramsey guide for debt or something for our wedding and she doesnt want to open it for two years. I beg and beg her but not until this year did she listen and we opened it up . We have yet to see the contents but she at least is open to using it now . Im not fiscally perfect either , I sometimes get numbers mixed up when inputting them into checkbook app , but at least Im willing to track our expenses where she just assumes chase app is always right. I know I Buy too much junk food and video games on credit and such . We probably go out to eat too much and go to Movies too much so I dont help make dinner because I suck at it so I can do more to be more fiscally responsible . I love my wife but when it comes to money I dont think she has a clue and doesnt want anyone to tell her different. My wife does realize we need financial help , and wants to get a second job but I tell her we need to make sure we are using the money we have now wisely and we might need to get a second job. And the cost to our relationship might be too much as we may never see each other if she works 60 and I work 40 hours a day . By the way she wanted to talk to fiscal advisor before we got married but we couldnt because we dont have money to see one . So who is right ? Put out big fires in student loan and car debt Or put out smaller fires in credit card debt first ?Please help.  <response>: Mathematically, neither of you are wrong per say. But you are waving enough flags with the rest of your post to land an airplane. You both could use some fiscal education. A financial advisor is not what you need - you need Finance 101. Im sure someone will come along and recommend Dave Ramseys baby steps and honestly, I dont think thats a bad thing. Here is a free, online, financial literacy course Go through the modules together. Talk about how they apply to your life. Make a budget and find a way to stick to it together. Sit down and pay your monthly bills together. Edit to add: The only reason neither of you is wrong mathematically speaking is due to the zero percent promo interest. When that ends, the situation changes entirely. 