<prompt> Human: I am the breadwinner for my family of 3 bringing in 67kyr bringing home 3700mo after retirement and taxes26k in debt, mostly auto but some cc. 400mo for the truck 1300 for rent and water 400 for charitable giving not an option to get rid of 750 for gas, groceries and entertainmentWe havent been having a lot of surplus to get after the debt and I feel like we should be a lot better off considering the money I make. I will include a link to my budget later on, but any initial insight as to why were having issues wid be appreciated.budget  <response>: 23 of your take-home pay is completely unaccounted for with the budget numbers you posted. Find out where 23 of your income is going, and that will tell you why youre living paycheck to paycheck. 