<prompt> Human: Hello friends. Ive been a lurker on this subreddit for almost a year, trying to soak in all the solid advice provided and hopefully avoid some of the pitfalls that people come here to resolve. Alas, my situation hasnt improved that much so I figured I would bite the bullet and post my storysituation.The coles-notes of it specific details will be posted belowMe: Im horrible with money. I came out of school with a moderate student loan 40k. Ive made almost every poor decision possible since graduation. I now have personal debt of about 80,000 and I only make 60,000 a year. I dont own a house. I own a car Im making payments on. I dont have any savings. Im married and she...Wife: Great with money, although a little eccentric about it. Just finished veterinarian school, so now has student debt of 114,000. Her personal debt totals about 120,000 and she makes 75,000 a year as a first year vet. She owns a car that is paid off. Our Debt Type Of Debt Interest Rate Total DebtProfessional Student Line of Credit 2.85 114,484.00Student Loan 5.35 25,114.47Auto Loan 6.24 19,444.43Bank Loan 6.25 16,594.37Credit Card 1 19.99 11,820.54Credit Card 2 19.80 5,921.65Credit Card 3 18.50 5,487.00Credit Card 4 20.00 630.65Estimated Monthly Income vs ExpendituresIncome after tax and pension: 6,949.30Expenditures minimum payments on all all living costs: 5,386.00Remaining: 1,563.30My PlanAfter researching various ways to pay off debt, I think Ive decided on the Snowball method. Were going to take a large chunk 1200 of that remaining money, and put it on the smallest remaining credit card debt. Once the credit card debts are all paid off 24,000, we will re-evaluate.IssuesMy wife wants to have a kid... and soon. I cant justify it, especially when our finances are in such turmoil. Going down to 1 income for an entire year would break us. She just doesnt get it. She also wants a new car because hers is on the way out its an 08. Im stressed to the max about money all day, every day. I feel like Ive put a decent plan in place, but I cant get her buy-in because of the things she wants and deserves, in reality.What I needAny insight, thoughts, opinions or suggestions anyone can make. If you see something I should change, tweak, adjust or anything... Im willing to listen to it all. If you just want to shoot me some encouraging words, thats also welcome. You can even chirp me about getting myself into this position, its definitely warranted.Thank you to everyone who reads this and good luck in your financial endeavors!Assistant: Paying down 24k in credit card debt will be great... but how are you going to fix the spending problem in the first place, so it doesnt happen again? Thats definitely worth thinking about.Human: Totally legitimate question. The cards are frozen literally in ice and since doing so my spending has been curbed substantially. I appreciate you bringing this up because it really enforces the core issue.  <response>: Nice. Highly effective strategy! 