<prompt> Human: Okay. Ive finally come to a point where I need some financial advice. Yes, its true. My wife and I make about 100k together and cannot seem to get out of this financial hole that we are in. I know there are some things we can do like sell our cars, get second job, etc. but Ive always told myself that we will get out of it without doing those things. Im coming to you reddit for advice to see if there are other things I can do. Heres my financial summary: Both wife and I are 32 years old She makes 70k and I make approx 30k fluctuates monthly Total net take home pay is 5750 Credit card debt 20k 2 cards, 14k6k - at 1218 Student loan debt 70k 750mo - 6.8 Car payment 1 532mo - 1.2 Car payment 2 350mo - 6 Mortgage 1350mo - 5 Money in 401k 70k Money in savings 3kActions Ive taken so far Changed the 401k contribution to the matched minimum Took everything but 3k out of savings to help pay down debt Established a budget for things like shopping, dining out, etc but seems its nominal compared to our big expensesLastly, heres the thing about the cars. We are upside down in both so selling them is not much of an option. Any advice here is SO MUCH appreciative. Im so financially stressed right now.Assistant: We are upside down in both so selling them is not much of an option.Can you explain this to me? Why doesnt selling the cars make sense?Human: Because we dont want to be even more upside down than we are. We could sell to purchase used cars out right so we dont have payments, but we dont have that kind of money. We would basically have to do another vehicle loan. I guess it might make sense to get our monthly payments down but I really dont want to owe 30k on a vehicle only worth half that.Assistant: Whats the Bluebook value of your cars and how much do you still owe?Human: Car 1 - Bluebook is 25k. We owe 29k.Car 2 - Bluebook is 10k. We owe 13k.  <response>: Sell the more expensive car and pay off the loan. You now owe 4k. Buy a cheap used car for 10k. You now owe 14k. That saves you 15k. Your car is a ridiculous expense given your financial situation. 