<prompt> Human: Apologies if this has been posted. Late 30s, gainfully employed, though a bit underemployed. I make over 100 now, but that will likely change a bit for the worse in the near future my industry is struggling a bit. Lets say Im soon to go from 120 to 100, with some losses in retirement and medical. Problem is that Im struggling hard as is to make ends meet. I dont think that we family of four live beyond our means. We drive crappy cars and live in an extremely modest house. Staycations rather than vacations. Etc. I cant get a steady part-time job without risking the actual money maker, but I am driving Uber early early mornings and doing some other things here and there. Yet the debt rises. The fact that I cant make ends meet and the debt is growing is affecting my life unbearably. I just cant handle it psychologically. I need to talk to someone who can look at what we do and tell us how to deal with this. Hopefully bring me back from the ledge. Every person in the phonebook that I look at financial counselor, financial advisor, etc seems to be super expensive. I spoke to someone with a free meeting, but he was not interested in helping me through day to day finances... he was interested in selling his plans for normal people in my demographic Im pretty well educated, etc who have money to actually invest. So how do I find someone who will actually counsel me and my family on day to day, week to week, etc things and who will not cost an arm and a leg? Thank you.  <response>: Whats your income?Whats your expenses?Post em up here and let us have a look through. 