<prompt> Human: Dad with 2 kids here. Wife lost her job about a year ago, which cut our income in half. My fault for not watching our finances, but found out that weve racked up 30K in CC debt. Things could be worse, I know, but Im terrified. ... we talked with a NFP debt consolidation company today and am wondering if anyone has had any advice about that approach using a debt consolidation service. Thanks in advance. Assistant: Can you lay out your current budget, costs and income? Any hope on the horizon for your wife getting a job?Human: Right now, we are about 2K per month in the red, which is what caused the CC trouble. Wife is looking, but no luck so far. We need a radical lifestyle change, I know, but Im at a loss for what to do right now. Feels like Im having a panic attack. We are in our 40s and things are not looking good. Scary.  <response>: Tell her to deliver pizza. I used to bring in at least 2k a month doing that 5 days a week, and it freed my time up during the day to interview.It actually got to the point that I was turning down jobs because they werent going to pay as much as my pizza gig. 