<prompt> Human: My wife and I purchased a house in 2013 in a very nice town about 20 mins south of Boston.I was making 95kyr and my wife 15.8kyr part time. Our home was 320k and we saved up a down payment of 70k. Our fixed rate is 4.025 and our current mortgage is 1700month. Our other bills totaling 900month not including food. We have two little girls. Well, I lost my job and so did my wife, around the same time about 1 year ago. It. Was. Hard. To say the least. Somehow, thru savings and investments, we managed to keep our house despite missing a few payments and are still currently close to 20-25 days behind each month on our mortgage. Weve also cut our monthly expenses down to 625month.Im currently working 2 jobs, 70 hours a week making 47kyear and my wife is making 12kyr. We are extremely poor and have no real money left each month and its very hard to rebuild our emergency fund. My full time job is promising, guaranteed raises for 5 years until Ill be making 108kyr but thats a long ways away. Our house has gained some value, prob around 350-360k now and we currently owe 253k. So, thats a good thing, but our credit has tanked from missed cc and car payments to below 600. Impossible to get another home loan. We think about selling but dont want to give up on our dream and have a great spot for our kids. Were surviving.In short, this was to get everything off my chest after seeing that previous post. So be careful, you never know whats gonna happen. Also, would love some advice or words of wisdom. And feel free to berate me for making a bad decision, I understand.tl;dr bought a house in 2013 and are now very poor trying to keep and maintain it, feelsAssistant: Honestly, based on the figures that you provided, it doesnt really seem like you did anything wrong. 70,000 down payment on a 320,000 home is 20. If the 1700 mortgage and 900 in other monthly expenses is accurate, your debt to income ratio was 28, which wasnt bad either. The problem is that you ran into a bit of bad luck when you both lost your jobs, possibly with insufficient savings. Just out of curiosity, how much did you have saved in the bank when you lost your jobs? At an annual HHI of 110,000 and only 2600 in monthly expenses, theres also a lot of money unaccounted for. What else were you spending on?Human: Thanks for that, I did think everything was in order. We were using the extra cash each month to furiously pay off our debt school loans, cc, which is down to about nothing now. Also we had some services I didnt count in like subscriptions both birchbox, gyms, cleaning. In the bank we had about 7k, down to about 2 now.  <response>: Try a little airbnb to monentize your house maybe? Or move out and rent it while living somewhere cheaper? 