<prompt> Human: Ok. Throwaway because this is really a point of shame for me. Im just going to give the down and dirty numbers.Family status: Married with child.Age: 31Assets: none liquid. no retirement, no savings. about 5k in college savings, 1.5 years of saving started at birth a year and half ago, not being touched. One paid off car, one nearly paid off both late modelIncome: 127,500 annually single income. 3,900 after tax per two weeks, 3,650 after tax and insurance deductions per two weeks 7,300 after all deductions net per four weeks which comes out to about 7,500 a month net. Liabilities:3,150mo mortgage280mo car note 4,000 remaining balance on a 15k value car39,000 in unsecured debt on revolving cards roughly 1,000 in minimum paymentsmo, spread evenly over 3 cards, about 18 apr on each24,000 in a debt consolidation loan 420mo, fixed, 6 years left200mo to college savings300mo in utilities only necessities like gas, electricity, water, sewage150mo in cell phone50mo in internet50mo in satellite tvThe difference generally gets eaten up in daily spending; groceries, gas, eating out, etc. What would you do in my shoes??  <response>: Expensive car payments, very expensive mortgage, Hugh cell phone bill, very very very high spending on credit cards. You know your problems. You really need to change. Look at your statements for the last 6 months to see how you can possibly spend so much money. You make a lot of money you should have no issue saving later he amounts of dough 