<prompt> Human: I am a 27 yr old man with a 24yr old wife and a 1yr old son living in Southern California. The only debt I have is about 50,000 in student loans my wife has a bachelors in kinesiology and is working towards applying to grad schools but still needs a couple classes to get accepted and I have 2 cars with a combined debt of 15,000. I have around 5000 to my name right now and I have a stocked fridge. Im a construction worker for a small construction company and there simply isnt any work. Ive applied for partial unemployment and am waiting to hear back. My monthly bills are around 500-1000 more than I make a month and I only make a net income of 781wk when I work 40hrs mostly thanks to the new expenses that come with an unexpected child. Im using YNAB to budget. Its helped to tighten everything so Im not overspending as much as I was. But I still cant afford life for my family. We use WIC which helps a LOT, but it isnt enough. My wife is looking for work, but she cant find a job. My I laws have offered to let us live with them but its a 3hr drive to them so our whole lives would drastically change. My mother in law runs a daycare so shed watch my son for free and they wouldnt charge us rent as long as we seemed to be trying to get on our feet.Basically, here is my lot. Im doing everything I can think of. I dont have medical insurance, life insurance, my grocery budget is 400mo for us all, we dont eat out, etc. We live on an overall pretty tight budget for a family of 3 in Southern California. I just want to make sure I make the best choices I can with what I have right now, so I thought Id ask for advice. Thank you all so much. Edit:All of the suggestions and comments Im getting are great. Thank you all very much! I wanted to add a little more information since this is getting quite a few answers. First, my father owns the business I work for. Its literally endless job security while their is work. He has wanted to bring me in as part owner as soon as work picks up. Work will pick up, just not this month more than likely and thats when I need it. Second, I have all of the skills and understanding needed to start my own company where my in laws live Bakersfield, ca, but I have no idea if there will be a demand for my specific trade acoustic ceiling removal and recessed lighting. I also have put in the time required to get licensed, just gotta pass the tests and pay for classes. Third, everybody keeps asking about my wifes schooling. She has been going to school since we met. Shes very good at it. It provides us with financial aid money loans amp;amp;amp;amp; grants. The next step for her major is a combined mastersPhD program where she will obtain both in 3 years. After that she will be a physical therapist which has high demand and earns 75,000yr to start on average which is more than I could hope to make work for another company. If she doesnt continue, we have to start paying on our loans. No way we can afford that yet. She has to stay in school. Unfortunately, the 3 year PT program requires its members to not hold a job apparently because it makes the failure rate too high. Currently this is the only way to become a PT and be in demand today. A masters no longer is enough. And again, unfortunately, her degree right now can help her get a job worth 10-12hr and shes been working on finding one, but her degree isnt worth much until the PhD. Forth, my father in law does also have some connections but it would be new trade work and Id be starting life all over, but with a potentially more secure line of work in the public school system. Fifth, I do have friends who have offered to invest in me opening a company and they do have the money to invest. Sixth, my truck has 2 seats. I have to have it. Cant afford another truck and its almost paid off. Need a car to move my family around though. Seventh, up till now, I have never made a late payment on anything. My credit is pretty good. Eighth, Im not yet required to pay on my loans, but I will have to if I dont get back into school. If I go to school, my income could be subsidized by more student loans. Ninth, I have a hernia that I cant get fixed because I cant afford insurance. Ive had it for 10 years.  <response>: Doesnt matter what you do doctor, lawyer, Indian chief. Unless youre in a position to create a need for yourself politician where you live, sometimes you have to move. Id spend time with the inlaws long enough to figure out where your skill set is needed. 