<prompt> Human: To keep a very long story short, like far too many financially uneducated people, I spent way too much money and am now pretty much at 100 debt to income per month. My current job is salaried 40 hrs a week with no over time pay but I work closer to 60 hrs a week so I cant get a second job. I barely make it out each month with more than a few dollars to my name. I literally live on lunch meat, bread and ramen. I have 0 in savings. The only good thing I have going for me is a credit score in the mid 700s I know I screwed up but have since learned from my mistakes. I would like some advice however. Currently I pay on a mortgage, pay on 2 brand new cars, and am paying on a ton of student loans. No CC debt or other loans. I am not behind on any bills. If I had even a few hundred at the end of the month I would use it to pay down my cars but I dont. I thought about getting rid of at least 1 car but owe more than trade in or private party on both. I listed both anyways on various classified sites but everyone who has looked at them gets hung up on the fact I still have a lien on them so they dont want to buy. I plan on selling my house this spring but need to get rid of my cars as well as getting an apartment where I live is close to what I am paying on my mortgage so that wont help a ton. Is there a a way I can trade in my car, get a cheap junker and then move the balance on my trade to some kind of loan? Obviously a cheap junker cant have a ton of negative on it and my debt to income is so high I dont think I can get any kind of personal loan. So what can I do to get out of my cars? Just as a reference I bring in 45k a year and have about 37k owed just on my cars alone. Both of my cars have about 5-6k more than theyre worth in the private market owed on them.  <response>: When youre leveraged to the gills, its really rough. I can recommend three things immediately:1 Refinance cars if just to get monthly payment down and more flexibility at the end of each month. 2 Rent one of your assets out. Either offer a room in your house could generate a car payment each month or use an app like Turo and rent your car out to people could also cover a car payment, plus tax deductions for expenses on one car.3 How efficient are you being at work? Whats keeping you there 60 hours a week on a 40 hour salary? If your work is cyclical and say you have a ton of work between 8 and 11, then another slug of work from 3-6, then what can you be doing in that down time to maybe make some side money or improve your at home finances? If you truly are making a 40 hour wage for an honest 60 hours of work, and youre not about to be in line for a 50 pay boostbonus, then you need to move on ASAP. 