<prompt> Human: I need some guideance for my family, my wife and I have run out of ideas...Here goes, a year ago we had 1 child, a small home and good finances.We were 2 months away from having our 2nd child and needed a larger home and also a babysitter. My inlaws offered to be our full time sitter if we would let them live in our old home for no charge, this was consideribly cheaper than child care so we decided to build a new home. We built a very modest home, put little 5down and had a decent savings 3 mos of living. We bult a green energystar home with stellar insulation, geothermal heatcooling and many other cost saving features. Shorly after moving in we discovered our utilites were more than double that of our old non insulated home. No big deal, we had the expendable income to keep adding to savings and pay the additional cost bills.Fast forward to the end of last year, our new child was 9 mos old and having serious medical issues and was deemed special needs. He needs formula that runs close to 300 a month and has constant drs appts, blood tests, occupational therapy, etc. We sold my car and bought one for cash, to free up some money thinking this would fix the issue. It has not, we have now drained most of our savings and have had to put some things on the credit card. On top of the financial strees we have the stress of having a special need child, and we do not have money to do the things we used to enjoy to relive stress. We do not know what to do with 2 mortgages, 1 car payment, 1 student loan and credit card debt. We have made tons of cut backs no cable, few dinners out maybey4 times a year, cheap cell phone bill and no home phone.Should we try to get out of the new home? We feel like it could make a difference as we could get something smaller in a cheaper area and drop another 300-400 a month of the mortgage bill, plus lowering our utility bills. I think it would be feasable to sell it for payoff, but we would have to use our remaining savings acct very little and our tax return to pay the realtor.Assistant: Your first priority is your kids. End of story. Do whatever you have to do -legally of course-, to whomever you have to do it to in order to secure the children are cared for. Whatever fixed income your inlaws are on will have to do them. You dont have the resources to support parents and children both. If they are expecting you to sacrifice your kids needs for their own, they have some serious issues.Human: We are not supporting them, it is cheaper to pay the mortgage and have them watch our children than to pay for child care. See above posts.  <response>: Because you have a special needs child you very well may qualify for government subsidized child care. Your MIL could be paid to watch the children. 