<prompt> Human: Currently make roughly 48k a year for a family of four, wife and 2 kids.Take home pay is 4k pre tax, actual take home after taxes and health insurance 700 a month is 2574.With that monthly bills are as follows 1250 - house rent 300 - Car payment 30 - Water utilities 100 - Electricity low balling 300 - student loans 100 - car insurance 125 - cell phones for both users 40 - diapers 30 - dog food 2 dogsThat is 2275 and those numbers dont change. The student loans are about 20k in total so no fast way to pay it off. We dont go out and eat, very little on entertainment.That leaves us 300 a month for gas and groceries which weve been finding as tough, plus anything at all on the side. Internet is included in rent and we dont have cable. Im not sure what else we can realistically subtract from our lifestyle besides me working a second job or making more money. The health insurance at 700 a month is staggering to me, but that is the best my company offers for insuring the entire family.I do miss the days of dual incomes and no kids, but looking forward; Hit me with some advice :Assistant: Making more money would be nice but what you really need is a company that gives you a decent insurance plan. 700 is insane. You could probably find a cheaper plan independently. Does anyone ever ask your employer why they have such a bad plan?The other thing to consider would be having your wife work a few night shifts per week.Human: The plan is decent if your single, less than 100, not too bad if married 250 ish but when you add all of it into the family plan it skyrockets. Im glad Im not insane for thinking its crazy expensive.  <response>: 700month is highway robbery. Im not sure what your field is, but Id start looking for a new job, not just a second one. If you find one, youll likely end up with more pay and lower healthcare costs, which would really improve youre financial situation. 