<prompt> Human: throwaway account because my friends and family know my main account...My wife and I had to recently spend a large amount of money on helping a family member with a medical emergency. Took a good amount of our savings, not likely we will ever get it back, but it was the right thing to do and we would do it again if we had to. We ended up using a lot of our savings and also loading up some expenses onto our credit cards. It was all a bit sudden and so probably not planned very well, but I guess thats life some times. That being said, we obviously are set back a bit and I was hoping to get some feedback from this community on where stand and what your thoughts are on our current financial situation. Any feedback or thoughts good or bad are very welcomed. Need to figure out the best way to move forward! we are both just a little shell shocked and trying to get back to where we need to be. We are both 34 years old. newlyweds. both have solid jobs.Income: Me - 131Kyear 15k bonus. My wife makes 100kyear 10k bonus. so roughly 256kyear combinedSavings after setback: 35kInvestments in Stock Market: 12k doing pretty well with thisCombined 401ks: 50kCredit Card 1 - 12,600 at 13.2aprCredit Card 2 - 12,300 at 16.99aprCredit Card 3 - 3,300 at 23.99Line of Credit - 8,400 at 14.75apr Rent: 2600monthCars: 850monthall our other expenses are pretty standard. We dont live in an expensive city or anything. We are trying to watch any expenses and live a modest lifestyle while we rebuild. We had saved up a good amount for a down payment on a house, but thats all gone now.Feels good to type that all out. any insight or recommendations or any comments at all really would be welcomed! thanks guys!  <response>: all our other expenses are pretty standard Theres really no such thing. Step 1 would be to create an actual budget with ALL your expenses detailed out so you know how much you have each month to devote to debt repayment and savings rebuilding. Personally weve been using YNAB and love it, but there are several optionsOnce you have that, Id focus on the highest interest credit card first, and knock them out one by one, then being rebuilding your savings for a down payment, etc. 