<prompt> Human: So I guess Ill just throw everything on the table. I am horrible with money always have been I was never raised or taught really much about it. Im 23 with a wife, a son, 2 dogs and a cat. My wife and I both work full time and together we pool together about 60k a year. We have a mortgage, 1 car loan and each a credit card in debt. We owe 100k on our mortgage, 17k on a car, 4k furniture loan and 4k in credit card debt but I feel like month to month is a struggle and it causes me a tremendous amount of stress. My wife doesnt seem to think we are in a bad place but I feel like everything is crashing down. We have almost no savings we just basically go month to month but our savings never seem to change even if I go over the budget we built. We should have money to save every month but we never seem to. I guess the real question is, are we in a bad place? Ive been told that at a young age with a family your gonna be broke as hell. No matter what until later. But I cant stand this feeling of what happens if something breaks down or a pet gets sick, well be broke if its anything serious.  <response>: We need to see a monthly budget. Debt picture is ok with proper management- where is the money going every month? 