<prompt> Human: So I have been pulling my hair out the last few months trying to get my finances in a good place but I feel that I have probably simply overextended myself and might possibly not be able to with normal measures. I have financed over 150k of stuff this year! The thing that is killing me is that I have no emergency fund and something has come up to eliminate my savings like clockwork this year. Urgent one-off expenses but still things more stable people should be able to absorb..I am considering selling the car or the house or both? Or can I pull out of this with just discipline. A rise in income is pretty much my only hope at this point. Heres my situation if someone wants to take a look and advise:-income: 45kyear 2700ishmonth after 401k tax and insurances. Wife has no job and cant realistically for another year.-Mortgage: 132k at 3.5. Bought this year with a little over 10 equity. 1kmo with insurancetaxPMI which I must pay 140 a month for 5 years!-Car- approx 10k at 2.9. 3k down 200 a month-2nd car. Paid off beater but kind of a gas guzzler. -store credit cardfurniture mainly 2.5k at 0 but jumps to an ungodly amount in 6 months if not paid off. 110 min payment but obviously need to do more or lose my ass. -75month car insurance-100 electric and gas total. -95 cableInternet. -150month gas-250-320 average groceries -200 misc upkeepbeersocialhobby for wife and I. -savings less than 150 :401k match is over 100 so I really dont want to stop that but I could get maybe 200month more if need be. Id honestly be sick to do it though. What would you do for the next year if you were in my shoes?  <response>: Get rid of your 2nd car, make your wife take a part time job, cut the socialhobby to 100 - your friends will get it - and swap your cable for plain internet and Netflix. If your wife absolutely wont work she absolutely cant have a car, thats crazy talk.I would rank the 401k match as the last thing to go - you are asking for a pay cut if you forgo it - and the 2nd last thing to go is the house, unless you think you can sell it for over 160K and turn a little profit on it. Dont forget closing costs and brokers commissions - the seller takes that on the chin - and dont forget that you still need somewhere to live and moving is stressful, costly, and wasteful of money.I make well over 150K a year and I have an empty front room because I simply wont finance 2500 in furniture. Get your head right; no one is going to bail you out of this but yourself. 