<prompt> Human: Like many others, I made some completely awful financial decisions early on in my life. My wife and I now have graduate degrees, but I borrowed needlessly and ended up in 6-figure debt.To add fuel to the fire, we also have CC debt. We live in a very low cost of living area and make decent incomes. Im hoping theres a way to pull myself out of this with proper budgeting. We are 3031 years old right now. Any hope for a solid retirement and getting out of this debt while Im still young?Combined income 155,500yr Pre-tax deductions medical, dental, 401k 12,000yr Take home: 96,500yr - 8,041mo Retirement included in deductions above: Me: 6 2.5 company match 8.25. 30K saved Me: company paid pension Wife: 4 plus free company paid 10 14. 30K saved Debts Student loans 110,000 4-6, 1,100mo CCs 13,000 15, 500mo Car 15,0000 4, 400mo Mortgage 114,000 3.25, PITI 1,100mo 3,100mo Expenses Gas 100mo Internet 75mo Groceries 400mo Car insurance 100mo Daycare 1,000mo Entertainment 250mo Misc needspurchases 250mo 2,175mo Thanks in advance!  <response>: What do you want us to say? Based on your budget you should have 3,000 left each month. Use that to pay off your 15 credit card. Stop your unmatched retirement contributions until you pay that off - its a guaranteed 15 return. 