<prompt> Human: I know the correct answer is both, but Im not sure Im in a place to do so. Heres the details of my situation. Im married, have a wife 5 years and counting!, a little dog, and Im going to be a dad at the end of October with our first baby boy. Im 28. I work in IT as a manager and make 46k a year before taxesinsurance, or about 35500 after. I currently am not enrolled in any kind of 401k or savings plan. My wife is in a post graduate program and will not be gainfully employed for at least 3 years.My monthly expenses are: 700 rent 150 utilities 30 internet 210 for one car, which will be paid off next year--1800 left on loan 270 for other car, just bought in January-- I got a new job out of my home so we couldnt juggle one car any longer. 130 for car insurance 110 for cell phone - 86 for my wife, 28 for mine 180 in student loans for myself 10 income goes to church donations, so approximately 300month 150 for wifes unsubsidized student loans we pay on the ones that are interest bearing while shes in school 30 for dog foodcare 150 on credit card debt were down to 1200 and we dont use the card anymore2960 earned a month, of which 2410 is spent on bills straightaway.We try to keep food to 300month are generally coming in under that. Before we started to be careful, it was more like 700. Weve also cancelled gym memberships and tv.Gas is usually about 200month, so including the above, we end up with about 50 bucks left over. We dont drink alcohol, smoke, or do much of anything recreational at this point except for a drive to the beach from time to time about 2 hour one way.Our debts are: Car 1: 1800 Car 2: 12000 Wifes Student Loans: 38000 all but 3k is subsidized and were not currently paying down My Student Loans: 13000 currently paying Credit Card: 1200Total: 66000Current Bank Account we have one joint account Checking: 150 Savings: 1200I do get paid tomorrow, and my boss gave me a one-time 1000 bonus, which I may have to use for some much needed car repair and a new vacuum ours is dead. Obviously this isnt a good situation, and if I lost my job, wed be royally screwed. I dont have any degrees or certifications that would allow me to get a better job, and I dont live in a populated area with a lot of opportunity. Were here for my wifes school, where shell have a PhD that is commonly paid about 100k right out of school. Thats 3-4 years away though, and I dont think we can keep going the way we are without with some real terrible risk.Were barely floating along, and I just dont see a way out of it, so Im coming to you for some kind of ideas! Id love to sign up for my companies 401k, for example. They will match my contributions if I contribute up to 5 I think that is how it works. It is a new job Icould got about a 20 increase from my last job, and I wasnt eligible until recently, and my previous employers didnt offer 401k. I know the church donation would relieve some serious pressure, but it is the one thing that I wont consider changing.Any help or insight you could offer would be very wonderful indeed.Note: This is a throwaway account due to sensitive money details.Edit: Formatting  <response>: Stop tithing. Stop paying on student loans that you dont have to right now.Apply this money to savings until you have 3-6 months of expenses in your savings.Once your emergency savings is built up, apply the money you were putting into savings against the debt with the highest interest rate. Continue until all debts are paid off.Once your debts are paid off you can start tithing again. The Church and God arent going to give you cash if you lose your job tomorrow.See Timothy 5:8.But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel.If you absolutely refuse to temporarily stop tithing, well, stop paying off the loans you dont have to right now. Itd be a poor choice financially to keep tithing though.Student loans that you do have to pay right now, see if you can have them put into deferment so that you can focus on higher interest debts and emergency savings first. 