<prompt> Human: Hello,Im looking to see if there would be any smart way to save my family from financial doom. I am finishing college in 2 years or so fortunately without much debt, so Im not worried about myself, but I am worried about my parents. Parents Income:3670 after taxesretirementhealthcare Household Monthly Expenses:FIXED EXPENSES - VERY DIFFICULTIMPOSSIBLE TO REDUCE908 Mortgage271 Car Payment67 Condo Fees121 Cell Phone92 Auto Insurance60 Internet and TV200 Electric and Gas200 Religious contribution - probably cant cutTotal: 1919Other variable expenses often total 2800.These mainly include groceries 1200 or so, restaurant, clothes, gasoline 100, etc. Nothing especially extravagant but little things that really add up.In my honest opinion, 2000 seems a bit excessive for a family of 3.5 me being 0.5, away at college. Assets: Cash 4,000; Retirement Account 403b 35,000 or so Debt: Credit Card 23,000 with average APR roughly 14; Mortgage 180,000, Auto Loan 15,000 or soWe live in a pretty expensive suburbanurban area but thanks to a housing program bought a decent condo for 200k or so. Mom and Pop are both around 50. Dad, who makes 100 of family income, plans to work until he is 70, and he probably could he is a prof.What would make sense to take care of my parents money? I pretty much handle all of their finances as they do not have much knowledge. Would it make sense to dig into 403b and pay off credit card debt?Stop retirement contribution 350mo. employer 100 match and instead pay off credit card?Please say if I should provide more info!  <response>: Will dad have any pension from teaching? Im thinking the retirement savings look sparse.Edit: I also now see that 23K in credit card debt at 14 is a major problem that should mean spending 1200month on groceries, 121month on cell phone is not making sense. I do not think raiding the 403b or stopping retirement contributions is the solution. The solution is to pare away at some of the expenses that you think are fixed and definitely some of the ones that are variable. 