<prompt> Human: Throwaway because reasons. I dont have a lot of people to talk about this with, so Id like to share it with you fine folks.As of todays paycheck, I officially gross 6 figures! I thought this might be a good point to share where Im at, really just an extra data point for everyone.Im 33, married, and live in what I consider an average cost of living area. It is comparable to Wichita, KS. We moved earlier this year for the better job opportunity closer to family. For about 6 months, we went from a 2 income household to 1 edit: back to two incomes at start of September, which drove up our CC debt a good bit. Lesson from this - having a good stockpile of cash increases economic mobility.And now, lets run the numbers:Net worth: 5185Assets incl home: 445252Debts: 440067Assets breakdown: Home: 267500 Retirement: 134725 Cars: 38649 Cash and small investments make up the restDebts breakdown: Mortgage: 267157 Cars: 30839 Student Loans: 95201 Credit Cards:46870Monthly 4wk Budget: Income, net taxes, retirement, and employer insurances: 9262 Mortgage PITI: 2246 24.24 Cars: 791 8.54 Insurance: 198 2.14 Credit Cards: 840 9.07 Student Loans: 725 7.83 Phone: 225 2.43 Cable: 70 0.76 Child Care: 964 10.41 Utilities: 300 3.24 Groceries: 1000 10.79 Non-retirement savings: 200 2.16 Additional debt payments: 250 2.69That leaves 1453 15.69 that Im not very good at accounting yet. It goes to gas, retail, eating out, charity, entertainment, and parts of life that just seem to happen.  <response>: Dude you gotta watch some Dave Ramsey. You are broke. You dont realize the risk and problems with your situation. If your CCs are 15 percent interest, you are spending close to a months worth of net take-home pay a year on interest alone.47,000 .15 7,050If its 2047,000 .20 9,400 -- more than a months take homeYou have no money left over at the end of the month because you are only getting paid 11 months out of the year. Do the math with the actual interest rate and see how much money you are throwing away literally, this amount just keeps the balance from increasing, you are not touching the principle. This doesnt even account for the student loans and car notes. You need to wake up. 