<prompt> Human: Im an exhausted 31 y.o. that works in IT. My SO spends most days caring for our special needs toddler, but is able to work a few hours each week at a local school. We have 40k in credit card debt, 19k on cars, 17k in Student Loans, 6k in medical bills, and 2k for funeral costs for the twin of our toddler. Huge priority is paying down our debt, but most months we end up using the cards more just to pay our bills, blowing our budget, and dont get to save towards the future. I do side gigs whenever possible and will be starting a part-time night job starting this month that pays 15hr.Take home pay for us is 4700 right now, after taxes, 401k, etc. We save 900mo paying for our insurance directly instead of going through my job. My 401k contribution is the max that is matched by my job.Expensesmo: Rent 1550, Car Payments 464, CarRenters Insurance 114, Utilities 180, Internet 62, Health Insurance 540, Fuel 250, Groceries 300, Childcare 200 Total Expenses: 3,660Paymentsmo and Debt: Funeral 102mo 1870 Remaining, Student Loans 230mo 16,440, CCard1 280mo 12,350, CCard2 40mo 1440, CCard3 260mo 10,360, CCard4 50mo 2,350, CCard5 450mo 12,500, CCard6 107mo 4,500, CCard7 185mo 3,220, StoreCard1 55mo 1600, StoreCard2 141mo 4400 Total Payments: 1900 Total Debt: 71,000 including carsMonthly Balance: -860Is there anything we can do?x200B;x200B;x200B;  <response>: Im sure this is blatantly obvious to you... but you have way too much credit card debt. Having that much credit card debt is basically taking away your ability to save for the future and stripping you of any flexibility you otherwise might have... so taking care of that should be priority one.Unfortunately there isnt really a quick fix for that. You either have to cut your expenses or raise your income.Those credit cards need to go. Dont use them, send them through a blender, freeze them in an ice cube in the back of your freezer, throw them in a volcano... whatever you gotta do. You cannot afford to use those credit cards.If you cant survive without those cards, you need to get serious about it. Cancel your cell phones, cut out your internet, eBay your stuff, find a smaller apartment, sell your cars, stop contributing to your retirement, etc. Cause what you have now is not sustainable at all and you are marching right towards bankruptcy. 