<prompt> Human: Howdy Folks. I net 97752year after healthcare, 4 401k match, and taxes. My wife stays home full time and I need to keep it that way, since we have 2 kids under 5 at home. She cant make enough to offset childcare.My monthly budget, including minimum debt payments amounts to 5681. I have 1000 in savings right now.My debts are: Car - 19k remaining, 0 interest, 500 monthly House - 164k remaining, 3.625 interest 1086 monthly for PITI Medical - 2432.27, 0 interest 150 monthly Wife Student Loan - 38k 4.24 interest Through SoFi 440 monthly My Student Loan - 29k, 5.7 weighted Through FederalNelnet In deferment, earning interest, no payments up to this point. Im in an MBA program.3400 in non-debt expenses monthly. Heres the itemized list: Groceries 800.00 Child Care 340.00 Preschool Tuition 260.00 Gas 200.00 Pocket Money - Wife 200.00 Pocket Money - Husband 200.00 Restaurants 200.00 Auto Insurance 140.00 Cell Phone 115.00 Adults Clothing 100.00 Co-Pays 100.00 Home Cleaning Service 100.00 Lawn Care 80.00 Medications 75.00 Internet 74.00 Miscellaneous 50.00 Children Clothing 50.00 Household Goods 50.00 Household Management 50.00 Kids Money 50.00 Baby Supplies 40.00 Subscriptions 37.00 Pet Supplies 35.00 Life Insurance 27.15 Gym 20.00 Toiletries 20.00 Heres what I want to do:1. Pay off medical next month all at once. Gives me 150 more in cash flow and gets a quick win.2. Consolidate student loans to 4 or less and begin paying on it. I have no idea if I can do that since only one is mine. My work will reimburse my loan when I graduate, but thats 18 months away and doesnt account for interest.3. Take excess cash of 2500month and throw at student loans, then car, then house in a snowball fashion with minimum payments.Even if I do that, its going to take over 2 years to pay off. Is there anything else I can do? The only thing I can think of is to try and reduce non-debt expenses to apply towards debt--but its going to get really difficult to accomplish. I suppose I could stop the 4 401k contributions, since I have a balance of 50k. However, they do a 4 match and its immediately vested.Thanks for your thoughts in advance.  <response>: Heres my glaring itemizations from your list: Groceries 800.00 800 for a family of four, especially with two kids under the age of 5, seems way too high to be honest. Youve itemized out toiletries, baby supplies, and household goods, so breaking it down even more and combining the 200 from the restaurants youre spending roughly 250 a week on food. Even with an all organic food diet, its crazy to think you are putting that much into feeding two full grown adults, one who can barely finish half, and one who is probably barely into solids at this point. If you take the time to plan out your meals for the week and do some basic meal prep, you could EASILY cut this bill in half on average you should aim for 100 per person per month, so 200 per full-sized adult should be no sweat. Pocket Money - Wife 200.00 Pocket Money - Husband 200.00I get that you want to have spending money for each other, but maybe cut this number in half for a month and see where that gets you. If the purchases are frequent ie your snack money, perhaps itemize a different thing for that specific thing. Preschool Tuition 260.00This is going to be my wildest suggestion yet, so take it with a grain of salt. You say your wife isnt able to work with her current issues...would it be too much for her to maybe look into homeschooling the kids? I have a friend whose wife suffered from PPD, and one of the things that helped her get out of the dark was homeschooling their young twins the first few years of their schooling later enrolled them into regular school around 3rd Grade. Itd give her structure throughout the day, gives her the ability to spend time with the kids in a flexible timeframe, and the added benefit of not worrying about the stresses of crazy tuition costs.Thats just my two cents anyways. 