<prompt> Human: Just trying to get a game plan going, since we just had our first child 6 months ago and want to figure out how to afford a second! My partner and I take home about 6400 a month. We have mortgage 1900, 2 car payments 800mo, utilities are between 200-350, Daycare 815 mo, car insurance 225mo. The remainder of my pay gets divided up between credit card payments 3 credit cards totaling about 20k in debt my student loan with about 3k left, food and gas. Im very careful and calculated about food shopping and prep many of my meals at home, so thats not much of an issue. However, we have no savings because we figure its better to try to get the credit cards down. To have a second child, our daycare would jump to about 1600 a month, half of my monthly pay. It doesnt seem like it would make sense for me to stay home, and I really dont want to if Im honest. We do have a tax return coming,a nd Im trying to figure out the best way to use it. We were considering paying off my student loan to free up 200 a month and put the rest towards credit cards, maybe a very modest vacation for our sanity. I could shop around for balance transfers on my credit cards with 0 interest to help, but this always terrified me. My credit score isnt bad 696. I also have a Roth IRA with about 30k in it, but I dont want to touch that.I know its about shuffling things around, maybe getting rid of my car payment by getting a used car, but are there options Im not thinking about? Should I focus on starting a savings separate from the Roth, or focus on paying down debt?  <response>: 23k in debt plus however much you owe on two 400mo car payments and youre thinking lets have another kid...? 