<prompt> Human: Throwaway here.So here I am, 30, married, looking at 172,000 of debt no primary mortgage. The scary part is that I am a finance professional, CPA, and personal wealth advisor. Im coming to reddit today because I need help. Its easy to give advice when its not your own, but Ive been in the weeds so long I need another perspective.I think Ive finally gotten over that it the massive debt happened, and have prepared a plan to axe this stuff. A quick rundown of the accounts:acct, balance, rate Car Note: 13,600, 2.54 Student Loan: 49,300, 7.25 Spouse Student Loan: 41,300, 6.75 CC1: 5,500, 18.99 CC2: 19,000, 17.59 CC3: 17,000, 10.99 Mortgage A: 5,000, 6.00 Mortgage B: 20,000, 6.00Minimum payments are around 1,700 per month. The two mortgages are secured by land that we thought we wanted to use. A is speculative property worth about 8,000 that will never sell and B is a site where we wanted to build a home worth about 30k.So what the hell happened? We left our corporate jobs years ago to travel after saving nearly 50,000 in cash. We sold our house, sold our sportscars, and sold a good majority of our possessions to enjoy life for a while. And we did! We spent a year travelling and launched startup businesses to be able to enjoy a location agnostic lifestyle. Everything was great! The voluntary downsizing was very empowering.Then it hit the fan. After leaving work, we obtained private health insurance with 40k deductibles were young and healthy and could come up with the cash. Well, we get in a car accident. Car is totaled, we get hurt. Insurance paid for the car and were stuck with about 75,000 in medical bills. Negotiated down to 42,000. Used a mix of savings and retirement withdrawals to pay for it.Then my father gets sick. He owns his own business and we stop what were doing to keep it afloat while he convalesces. We discovered his health insurance had an extremely high deductible and that his business had not been doing too well. We pump money into the business and manage to get it back on his feet. We spent money helping him with his medical bills. Miraculously, he recovers and is able to return to work.Now were fucked. At this point, weve blown through our savings, blown through our retirement, have serious debt, and have no income. The debt happened in part to bad luck and in part to our stupid decisions. I go back and forth, wondering if we should have helped, but the point is that it happened. Its done.Heres the light at the end of the tunnel. Weve never missed a payment. Ever. Yes, we have 40k of credit card debt, but its all current. Were at about 40 of our revolving credit utilization. The other saving grace is I landed a corporate controller job, paying around 130k in a low cost of living area. We have no savings, and we were about a month from being completely out of cash. We have no house renting and our only car is underwater on the note. The two properties we own have been on the market for 6 months. What we do have is income. Monthly take home is 8,000. Expenses are 3,500, including everything except debt payments. Fun budget is 300. We use cash for discretionary spending, so there are no instances of going over budget. Credit cards have been frozen in ice in the freezer.So that leaves 4,200 per month going to debt, assuming were unable to sell the land. Well be debt free in 48 months. Probably a little sooner due to bonuses and eventual income from my spouse. Weve been fortunate enough to live frugally out of a suitcase for months and do not want any lifestyle inflation--were spending a little over 52 of our take home pay on debt repayment.The plan:1. 1,000 in emergency fund. Now.2. Payoff two low balances first. Im more motivated by the quick wins. 3. Get a month of expenses saved.4. Payoff credit cards.5. Get another month of expenses saved.6. Payoff the rest.7. Dedicate 50 of income to savingretirement.I very much doubt well be able to build a home anytime soon; but, we made the choices that we did and will pay for them. Does this make sense? My fear is not dedicating enough cash to be prepared for an emergency. We have employer-sponsored health insurance now, with a low deductible. Retirement will be an interesting planning discussion.We plan to be in the region for a while and want to buybuild a home with a mortgage less than 1.5X our income. Saving for a downpayment will take time, since our surplus is being allocated to debt. Were considering keeping the land to build, but realize we have a debt emergency. Im trying to figure out what is prudent. The land could be used as a downpayment, since it could I realize it may not appraise for more than its listing price. Dont want a big house and I hate renting. Thanks for listening!edit:formatting  <response>: Well... Life happened. You probably made some mistakes, but hopefully youve learned from them. I would say its commendable that you helped out your dad, and I would ask how you would feel if you hadnt, and if you now only had say 100k debt because you just abandoned him. Maybe looking back, you will know that it was a decision that cost you, but that it was the best one.If you can pay down 172k of debt in four years, then you can save up 200k in the next four years, et cetera, so that youll be a millionaire by age 50 or so. If all goes as planned, which it, of course, never does. Just start working on it, and who knows what life will be like ten years from now. 