<prompt> Human: Our incomes and lifestyle have risen over the last few years, but trying to come to terms with our current reality. Most debt was incurred while our incomes were lower both 50K 5 years ago. This year we bought a house for 465K and have spent about 50K cleaning it up for context, this is suburbia around a major metropolitan city. Mortgage is about 410K. My wife and I both work and make about 110K each excluding bonus . CC debt is 40K and student loans are 150K. Just trying to get everything under control. Our immediate goal is to pay of our credit cards, reduce our expenses as much as possible, and build up some savings very cash poor at the moment. Thanks for your advice thoughts. Be gentle please or not. --editMore detail:Combined take home is 12K month MortgageTaxIns is 2.9K month Daycare is 2.1K month wife and I both work CableInternet 70 Groceries 700mo Shopping 300mo Other spending 200mo Eating out 200-300mo Life Insurance 55 1mil term policy each Utilities 250mo Gas 160mo Lunch 200mo CC debt:Amex 17K 7 MC 3K 12 MC2 8K 12 The rest is owed to a 3rd party for work recently done bill not received yet but anticipating this in our scenario. Student loans are pretty much consolidated 6 stafford graduate loans We have one child with another on the way. Just getting started on YNAB and looking through previous spending patterns in Mint to try and get our life together. Thanks for your help. Weve temporarily stopped contributing to our 401k to try and catch up on our bills. Sat down together yesterday to discuss and feel like were on the same page.  <response>: If you want advice on getting out of debt, we will need:- Your take home pay- A list of all expenditures including clothing, eating out, groceries, etc which accounts for all spending- Information on your debt: Type of debt break out which cards the debt is on and what particular student loans you have, total amount owed, interest rate, minimum monthly payment 