<prompt> Human: I am in serious debt, over the years I have lived well beyond my means and Ive finally reached a point where I just dont know what to do anymore. I was thinking of reaching out to Clearpoint but I thought I would turn here for help first. Im married but my wife and I keep our money separate. I make 1234.90 after taxes every two weeks and here is my current debt:CC 1 12263.9215.75CC 2 436012.49Car 34285.652.99 527.41monthwife gives 150.00monthLoan 1 7468.906.24 331.44monthLoan 2 9090.016.24 292.31monthDef Comp Loan 9774.82 214.39monthRetirement Loan 6972.37 81.00paycheckMortgage 170090.783.75 1319.39monthsplit wwifeI also pay 300month for child care160month for phonetv33month for garbageI dont know what else to do so any advicehelp would be greatly appreciated. Assistant: Wow - this is among the worst situations Ive seen. I see a couple of different options which arent mutually exclusive; Ill list them in order of what I would suggest:1 Your minimum payments listed not including the first two credit cards exceed your monthly income. In other words, even if your post represents everything you spend in a month, you will keep falling deeper into debt every month.2 Come clean to your spouse. They deserve to know the truth and you need their help with this. Combine finances - stop this paper game of myyour money. You all married each other - act as one person, not two.3 Get another job. Your income has to go up to start making a dent.4 Post again with full details budget, etc... on your combined income and expenses. If your spouse is in similar shape, its time to talk to a lawyer about bankruptcy.Human: Not the worst Ive seen, even on this sub those 200k art degrees should be considered a crime but very, very bad.The biggest question here is what does OPs wife make, and what her financial situation looks like. Is she willing and able to bail him out?Ill add that OP seems like a prime candidate for bankruptcy unless his wife is making mucho and is otherwise stable. The car is definitely a no-no. At this point, OP shouldnt really be running any extra expenses, so cut the phone and cable as well.Assistant: Wife doesnt make as much as me, but she is stable. Pays off her CC every month. No loans. Excellent credit. About 5000 in savings. She pays for pre-school, groceries, heating, and electric for the house as well as paying 150 towards the car every month and half of the mortgage. Human: You seem very reluctant to say that you will come clean with her. Would you at least promise us that? There seems to be a big consensus that talking to her is step one of the plan.Assistant: I came clean to my wife. Went home took a xanax then told her. I have so many other issues in my life right now I thought it would push her over the edge and her words were, I wish this money issue was the least of our problems. She said that between her and her family we can get through this. She wasnt mad at all and said this was something we can get through.  <response>: Seriously, this is VERY important. I had bills...not nearly as bad as your bills...but BILLS that needed to be paid. It was hard telling my girlfriend at the time that I had bills in my name that I was ashamed of. But I told her. And I started fixing my credit. And it got fixed quickly thankfully. And now im the one telling her QUIT BUYING THAT CRAP!It takes a special mindset to get underneath massive debt. One day at a time...one lucky break at a time...one message board post where you get 9 people laughing at you via their keyboards or armchair QBin...and 1 person giving you solid advice. I wish you the best of luck. Hug your wife...and maybe give her access to all of your finite details, as its somewhat clear she is responsible at this point in her life. 