<prompt> Human: Alright, trying to make this short. I found a job I really like unexpectedly three years ago and went from 20k2014 to 48k2015 now I am on track to make 70k this year, at least 65k. All the same company, but I am very passionate about this work particularly and it showed with three promotions within the company, now I am pretty much at a ceiling with 3 raise per year unless I get a degree that is another story, for the sake of brevity lets say its not happening soon. With this new money I started to get interested in what I am doing with it and became much more financially literate, and in the process of reading more it is really starting to overwhelm me and I picture a bleak future with no end. I work a base of 45 hours a week, paid hourly and I have the option to work overtime in the same or different department within the company almost as much as I want, which I usually do, I usually fall between 50-70 hours a week because frankly the overtime pay is great. Overtime is less frequent when my SO feels needy or when homework or studying gets heavy. I bought a house and picked up a wife this year technically will be this year, getting married in a month to my girlfriend of two years but we are just going down to the courthouse, she just wants to be married she doesnt want a big wedding, just a nicer honeymoon. She works and makes 30-35k a year, we have no kids. Now for financials, this is what is worrying me because I try to budget but I dont see myself out of the woods any time soon and I desperately want out of debt. I just threw most my savings at three credit cards to pay them down to zero 3,500 total, now gone but I have no more lump sums to throw at the rest of the debt. Student loans: 15,000, varying interest rates. Car 1: 26,700 3 interest 485mo Car 2: 11,300 7 interest 230mo Credit card 1: 1,700 0 APR for another year 67mo minimum. Credit card 2: 1,500 0 APR for another year 105mo minimum. Credit Card 3: 5,300 21 APR, I know, its bad. The other three cards I just paid were around the same 100mo minimum. Credit Card 4: 3,000 0 APR for another 18 months. 35mo minimum. House, 205,000 4.5 1,350mo minimum. Credit cards 5, 6, and 7 at zero dollars as of last month.Other bills: Cell phones 175mo Insurance 210mo Power 130mo gas 20mo Watersewagegarbagestuff 50mo Netflix 12mo? this comes out of my SOs account. Apple music 16mo with tax. Internet 55mo School tuition 400mo for 3 more months, paying out of pocket now but am reimbursed by employer if all classes passed which I already tanked one from working too much OT so Ill probably eat this semesters tuition. Money for groceries varies wildly because we are going back and forth from trying to cook at home every day to giving up for a week and eating out a shit load. Its bad and I am trying to work on it but I am just so tired from work and school I cant even think about cooking and I love her but she is hopeless when it comes to cooking anything. She brings in 2,200mo after taxes very steadily, she only works a straight 40 a week no overtime in her job. I bring in 3000mo minimum after taxes, I think, never had a check without overtime at my new pay so Im not sure. It can be up to 5,000mo If I work enough OT. All this debt makes me and her skip taking up my employers 401k match They match 3 if we contribute 6 because I want to funnel all future pay into debt. We have 1,500 in savings. I feel buried and I feel like I will never pay off everything and contribute enough to retire in time because I only started saving this year. I am 27 and she is 21. We buy some luxuries and shop here and there but I have curbed it almost completely. Compared to earlier this year Help me? Is there an end?Assistant: Sell both if the cars and buy cheaper used versions. Use the extra money to pay off the credit card with 21 interest. Then, decrease the balance of the next highest cc balance.Do you both need your cell phones for work? That amount for two people is absurd. Find a cheaper plan.Human: First, thank you for your input. We could possibly sell her car for 9-10k, we are a little underwater on hers. Mine doesnt seem feasible, it was a really bad buy on my end a couple years ago and is only worth maybe 20k so super underwater, bought brand new with no down payment and bought all the warranty stuff so taxes and all that really put me over. We dont have problems making any of the payments but I think I am stuck with it for now. It may sound silly cause it does but I need a goodfast phone for work with lots of data so mine is at least partially necessary, hers is more of a guilty pleasure. Its two Iphone 6s with Verizon and we have the plan at 100 or so and then the phone installments are the rest of the bill. We owe 300 more on each phone. Verizon because we both work in a million square foot plant and dont get service with anyone else.  <response>: See if your company offers a BYOD Bring Your Own Device stipend. That info would be in your employee handbook or your boss may be privy to that information. And if you happen to live in California, there was a somewhat recent court ruling that states they owe you some compensation if you are required to use it for work-related phone calls, however, the data issue wasnt put to rest with that case. 