<prompt> Human: Hi PF, Long time lurker, first time poster. Ive come to the help of you knowledgeable folks, because as my title suggests... Im drowning financially, but worse yet - I have NO clue where to turn. To give you all the abridged version, there are two areas that are kicking my ass:1Taxes2WifeLet me explain. Back when I was in my mid 20s, I was a 1099 for a company who didnt want to convert me to a FTE. As such, I did what youd probably expect from an idiot, and didnt pay file quarterlys. For like 2-3 years. This left me with a HEFTY tax bill, as well as a plethora of interest and penalty payments tacked on. I broke down and used what little money I had left to hire US Tax Shield to fix my mess, as the tax bill was around 29k, and I had a lean put on my credit. After paying US Tax Shield roughly 4k, they informed me that I made too much money to propose a settlement arrangement to the IRS. I made 85kyr. As such, they ended up getting me an installment agreement to the tune of 400mo in order to remove the lien from my credit. Fine, managed.The plot thickens here, with my wife however. She incurred a mountain of debt from student loans that she deferred and then subsequently defaulted on. The end result of this brilliance was that 2013, she was given close to 35k in 1099-C income from debtors charging off the debt as taxable income. Now, I go to file my taxes this year, and discover that were on the hook for somewhere close to 15k in taxes per Turbo Tax, and one of the stipulations of my previous tax agreement was that I could NOT incur any additional back taxes owed. Im fucked. To make matters more interesting, my wife and I decided that she desperately needed to go back to college in order to get a useful degree to start making money she hadnt finished her college the first goround. So, she WAS bartending and doing alright, but since weve put her back in school, shes down to working once a week, which barely covers one of her many bills owed. Now, I make 140,000yr, which after contributions to a good insurance plan, leaves us with roughly 3500 per paycheck, or about 7kmo. We are less than broke. Living paycheck-to-paycheck is an understatement. I was unemployed most of the summer, so bills piled up, and we cant pay them down fast enough. Its one huge fucking mess. My questions to PF is this: Who do I hire to sort all this out for me? My wife and I have never been particularly good with money, so our shitty little plans never work, or were off. Additionally, we have these recurring tax problems, which is different than just budgeting and cash-flow stuff. I know PF talks a lot about fee-only advisers, so I went down that route, looking for someone via the NAPFA.org route, but it seems that they may have a different area than tax coverage? So, do I need two separate people, one to manage our cash-flow and tell us what to do how to live spend save, and another person to dig us out or at least manage our tax situation? I feel like the two are intertwined, but I dont even know what types of folks I should be looking to contact. Help me PF, youre my last hope for clarity. Edit - Added monthly expenses for clarityRent - 1500moCar 1 - 450moCar 2 - 340moCar Insurance - 170moBack Taxes - 400moWife Personal Loan - 800moPersonal Loan 2 - 2000 totalUtilities - 200moCableInternet - 200Phones - 200CC 1 - 25moCC 2- 50moCC 3- 35moPast Med Bills - 150moWife Tuition - 1400quarterGas - 400moFood - 250moWife State taxes owed: 900Past due: Verizon - 500, Utilities, 500, Med bills 200Pertaining to the math, as I mentioned previously, I was unemployed for the summer, and just started back up working last month, this is only my 3rd paycheck. There are probably a few more monthlies, my wife has the full list, Im at work.  <response>: I dont think you need to pay somebody and have yet another bill to figure your budget out. your tax issues, maybe Its not rocket science. You have to have more coming in than going out. Can your wife work more? People do go to college full time and work more than 1 day a week. 