<prompt> Human: I need some advice. First, Im 30 years old, have 2 kids 2 4, married and work as an accountant and make 42K after tax per year. I financed a house worth 350k and paid it down to 170k. The problem is that I am trying to fix my financial situation. I have no money in emergency funds, 1k in my Roth IRA, going to grad school 460 per month I have 1 year left. 3900 in credit card debt. Those are really the only bills that I have. I paid cash for my cars, dont have cable television, i use netflix. I pay 1k per month for the house with an option to pay an extra 10k every year which i am usually able to make. I have no life insurance. What should i focus on first? Should i drop out of school? My wife works and our household income is 65K after Tax but she also goes to school but fortunately, her parents are paying her tuition.  <response>: Why are you paying down the house when you have no savings? Thats nuts. 