<prompt> Human: Its embarrassing that I cant get my financial life in order. I have a full time job that brings in 81,000 a year. My wife earns just over 68,000. In addition, I started a small business that brings in around 51,000 a year. After expenses, my profit is around 20,000-22,000 per year. My monthly expenses are just over 10k per month. I have around 125,000 in debts. 85,000 of that is student loans, 8,000 of that is in credit card debt. I rent and my rent is 3,000 per month. I have two children. Both are in public schools.My daughter is heading to college next year. I know its going to cost me between 20-25k.I run my business as a sole proprietorship. Ive heard its better to incorporate and I plan on doing that. I just dont know where to start or how to put money into savings.As a side note, I was raised by my mother and we were always living paycheck to paycheck. At times we were on public aid, but never for very long. I was never taught how to take care of finances. I know this all sounds whiny, but Im desperate. Assistant: My daughter is heading to college next year. I know its going to cost me between 20-25k.daughter needs to investigate community college for 3k year and aggressively applying for every scholarship under the sun. unless its the kind of household where the kids dictate to the parents, in which case you need therapy more than financial advice. Human: We are looking into all options. If she were to call the shots, she wouldnt go to school.  <response>: That makes spending 25kyr an even worse idea! 