<prompt> Human: So I feel like no matter what I do our credit card debt never goes down. My wife and I werent very smart with our credit cards when we first got married. Now we never use credit cards but can never seem to even make a dent in the amount debt... Honestly it can be frustrating and depressing. I just need any input...Heres the situation:27,000 in cc debt spread over several cards. 7 to 24 in interest rate1 car with still owed 19k at 3.92nd car 12k also 3.9Both cars owe more than worthCombined we make net of 4,300 a month1,500 Rent and utilities live in an expensive city so this is actually really cheap1,948 in cc and car payments per month150 for insurance for cars200 for student loans70 for gas185 for foodWe have zero savings but a 5k tax return comingThanks for any help  <response>: Your combined income is 4300 a month. There are 336 hours a week available, combined, for the both of you and Im guess you are working 40 and she is working 40. Im guessing there is a lot of wiggle room in there for each if you to have a 2nd job delivering pizzas or whatever.This isnt a debt problem its an income problem. You dont finance cars, especially when you have debt.Nose to the grindstone and start making some money.I am not seeing the relation between expensive city and your income. Usually expensive cities means higher income. Your combined income is less than minimum wage where I am at. 