<prompt> Human: Heres where were at: married, 28 30, with one child almost 4.Current debts:Chase Credit card - 1900.73 9.99, 35 minimum Best Buy card 1 - 2040.71 25.24, 25 minimum Best Buy card 2 - 1232.35 24.24, 25 minimum Home Depot card - 863.42 25.99, 25 minimum Tempurpedic bed - 5535 0 for 5 years, 94 monthly Discover card - 5464.86 19.99, 115 minimum Bank of America card - 10931.88 12.99, 230 minimum 5 year Personal loan - 14493.49 17.75, 385 minimum USAA Credit card - 1650.60 16.90, 35 minimum AmEx card - 6363.47 9.74, 120 minimum Credit union card - 11218.94 15.75, 340 minimum Kohls card - 193.10 21.9, 25 minimum We also have student loans in deferment that total 40k 6.8 Income: 40kvaries depending on schedule and 60kvaries depending on bonusMonthly bills: mortgage: 1700 utilities: 250 tvinternetnetflix: 150 car insurance total for both: 140 car lease other paid off: 435 gastolls: 500 daycare: 425 grocerieshousehold goods: 500 guesstimated, not going to use mint.com house expenses: 100month Weve put our stuff into unbury.me and with 1500month it shows us debt free in Nov 2018 w 21k interest paid. Obviously wed love that to be done sooner with less interest.We just started YNAB today and both have it on our phones and are ready to begin budgeting. Were just looking for any suggestions you may have.To answer some questions ahead of time: No, we cant reduce the gas or tolls. One of us has to travel for work and gets paid 0.55mile, the other has a 50 mile round trip 5 days a week on a toll road, theres really no other route. Yes we realize the lease is a big chunk of our bills but were not sure what to do about it - we dont have the cash to buy a beater car right now or to pay to break the lease. Some help here would be appreciated. Daycare isnt avoidable with our schedules.Any suggestions?  <response>: Here is the only suggestion you need: STOP BUYING SHIT. 