<prompt> Human: I am 26 years old. Im a Bartender is Las Vegas but recently when my daughter was born decided to go back and get my degree as a Physical Therapists Assistant. My Wife is a Nurse RN and makes about 75k a year. Its crazy because that sounds like so much money. Yet between our car payments, mortgage, the baby, and utilities. We are barely staying afloat. Any Advice on how to manage everything better? I could fix our problems by going back to work, and making 75k a year also, but I really want to remain fulltime school at 50 hours a week.  <response>: There are two ways to right the ship. Sometimes you can do one or the other to get by; sometimes you have to do both.1. Increase income2. Cut expensesSounds like the income problem is better dealt with in rrelationships.We can help you with your budget. Can you give us a detailed list of monthly expenses? 