<prompt> Human: Got in deep and have about 80k in debt. I have no idea what to do to get out of this. Please help! Current debt: 15,500 in CC 19,000 in personal loan 16,000 in car 27,000 in student loan still in school, wont start paying until 2019 Make 65,000 a yearTake advantage of FSA HSA Take home pay is 1,950.16Bills1,600 mortgage360 car payment480 to personal loan355 to CC260 utilities electric, water, gas, internet250 gas for car310 cell phone and internet entertainment netflix, spotify, directv now this cost also is covering the actual phone repayment as well. Groceries are covered by spouse. I just started using YNAB to help me understand where all my other spending is going. I need a plan but I dont even know where to begin. Thanks in advance for your help! edit: formatting  <response>: You are living well beyond your means. 1 Your mortgage is far too high. At that income level your mortgage should be 700 at most.2 A car payment of 360 is ridiculous for someone making 65k. That would be acceptable if you made at least 95k. You need to sell your car asap and get something out of craigslist for 2-3k.3 Cell phone plans are easily on the most common traps to successful PF. Get a pre-paid phone with no data 8month. Ditch cable and anything that is not internet and Netflix.This is not completely unmanageable but you are spending well beyond your means. 