<prompt> Human: I feel like I have a good income and try to be very frugal to the point where Im laughed at for being cheap and yet Im spending more than Im taking in...Income is6250mo after taxes for me1800 for my wifeI usually make about another 1000 from my second business, but that is sales and not always reliablePer diem third job nets me maybe 200-300 after taxes per month. I lose 30 of my income to pension and health insurance costs lost our full health insurance benefit in February.Even with all that income we seem to hemorrhage money each month. We have no TV, no phone, college saving down to 100mo, cars paid for, 1300 mortgage, our kids are brilliant tested, 99 percentile kids and in a private school on financial aid at 500 per month. Our auto insurance is 370 monthly because my wife is a terrible driver.My wife is also going to school to get her third bachelors degree Nursing, already RN with AS to get a better paying job, costing about 1000 per month. No school loans. I only have an AA and I make 80 of the money and am home more.Credit card debt has slowly gone from 2000 paid off each month to 8800 today and no sign of slowing over the last year.I guess my question is about sustainability. I think weve accepted that we may not be able to afford school in the short term but making 14hr as an RN is unacceptable. Shes finishing school next spring and hopefully making another 30k from then on.Do I cut the car insurance to the bone? Do I get rid of my health insurance? Do I take a fourth job? Sell a kidney? Wait for things to get better? Shes considered moving to Alabama where people hire nurses without a bachelors and sending money home.edit for a thanksThanks for the responses, ranging from you will die penniless and alone to everything will be okay. Much appreciated for both perspectives.I think weve effectively cut in the last month everything that can be cut and Im taking all the work I can take without looking for another job, so whats next? Between my AC reimbursement in a week and paycheck in a week I should be able to cut the debt in half. Then two more months of not buying junk will take me to a very frugal Christmas and hopefully 100 work weeks with overtime.small updateChanged auto insurance rate to 245 after removing redundant medical coverage. I already have great medical insurance. Set all deductibles to 1000 and removed all collision on the wifes beater. Its not worth insuring anyway. 2000 car with a 1000 deductible?! Also found she also traded paint with another car last year that is keeping my rates up for longer.Final editSince the first post weve stopped buying crap and cut the auto insurance on the beater. Debt outside of mortgage cut to 2000 which is manageable. Then the car died and is irreparable versus its repaired value. Next day the wife got a job interview and offered doubling her income and get real benefits pension, medical, etc. Bought a new car with the lowest cost of ownership according to Edmunds and she starts work in 3 days. Expecting to pay the car off in a year or so.  <response>: Youre spending too much money. Period. Cut some things. Make a difficult choice. You need to stop college contributions because you have credit card debt. Your kids can borrow money for college if they need to. 