<prompt> Human: I have been dreading making this post because then its real. I dont even know where it all started to go so wrong. Currently I am in 43k in bad debt CCs or personal loans. I am the sole earner currently as wife just had our baby. I am completely embarrassed that Ive even let things get this bad. Its me, wife, baby, and her 2 kids visit 50 of the time. Income:37.83hr - 40hrswk - paid bi-weekly 78,686 annuallyChecking balance: 2506.24Monthly Obligations:Mortgage 1817.32 Bal FHA loan amount 260kAuto 643.79 Bal 34,120.870 53 payments leftAuto insurance 170.82Wife Auto 349 lease 10 months leftWifes Insurance - 463monthAuto gas - 160Electric - 90Natural gas - 130Phone - 96.25TVInternet - 176.33Water - 66Student Loans - 276Food - 400Bad DebtSofi Personal Loan - 722.78 Bal 49 months on termCC1 - 215 Bal CC2 - 239.47 Bal CC3 - 231 Bal 20.74CC4 - 104 Bal CC5 - 150 Bal CC6 - 173 Bal Monthly Total 6673.76When I put the numbers together I honestly am not sure how Ive even survived up to this point. Everything is current as it stands today no missed payments ever and my credit score is in the mid 600s. Wife returning to work will add daycare to this list and she makes 14hr as a medical assistant. Currently shes been using her tax return to pay her car and insurance which is nearly gone. Completely ashamed of myself for recklessly letting things slide to this point and any advice is much much appreciated.Edit: Thanks everyone for taking their time to give ideas to a stranger. Lots of things to consider here. Just trying to take it all in.Assistant: So your monthly bills are higher than your monthly income yet you drive a 40K car, lease a car and and have ridiculous TVCablePhone bills? Sell the car, ride out the lease, refinance the house 30 years, tell your wife to stay home or go to work after you get home to watch the kidsYou guys are going to have to spend 3-5 years fixing this mess. Just live a basic life, do free things for entertainment and prepare cheaper meals. Human: Thank you for the advice. The house is on a 30 year fixed FHA not 15 year. Is the refinance to get off fha PMI and lower the payment?  <response>: Considering your wife has another child still in daycare, Im assuming you only met her 3 years ago. Did you have any debt before you met her? 