<prompt> Human: Hi yall! Despite the dour tone of this post, Im a genuinely happy person. I half-need to vent, and half-need some help. This isnt me looking for a hand-out or a pity party. I need good, solid advice how I can make my way towards achieving my dreams.The situation: My wife lost her job shortly after Christmas and has had trouble finding anything else.Her aunt and two kids live with us, and they bring in no income; in fact, theyre a drain because I have to pay outrageously for a place that can fit all of us Im paying almost 1300 a month to rent; in Lexington, thats way on the higher end. The only relief they provided was that when my wife worked, her aunt watched our 4-year-old kid.I work at a lower-end bank; I wont say the name, but suffice to say I get paid 12.80 an hour and have to work about 66 hours a week to make ends meet. Since December 31st Ive only had 4 days off, and that was only because my wife had to have some dental work done. Over the last year the bank has essentially made it impossible for promotion by removing assistant branch manager positions and almost exclusively doing outside hires for managers.Due to the weird nature of our bank, theres no room for lateral movement into commercial banking or mortgage lending or anything.My wife refuses to let me kick out her aunt and cousins because her aunt is disabled but doesnt get disability because apparently it take around 9,000 years to get approved for that and they have nowhere to go.Now that the sad stuff is out of the way, here are some things I have going for me:Work ethic! I work 66 hours a week but I love doing it. Ive gladly given up my nights and weekends when I wasnt in such dire straits because working hard is in my genes. I consistently hold more than one job and I crush it.Time management: Due to the amount of hours I work, I have to structure my life around schedules; as such, I have been able to accomplish everything I need to accomplish by exercising extreme control over my time.Personality. I said it at the top, Im a genuinely happy person. I know the stuff thats happening to me is mostly my own doing, and the stuff that isnt is fixable if Im willing to sacrifice a little, so Im not raging at the heavens and being all Woe is me, about it.Budgeting! Like I said, moneys tight. Every penny is accounted for; every dollar has a place in my budget, and any extra I get very rare goes into a savings account to help out the next month.Again, this isnt a pity party. I dont need a hand-out. I need advice. I cant pay down my debts and build my credit until I lower my expenses and upgrade my income; I cant move until I figure out what to do about my wifes aunt; I cant take time off to interview or job hunt until my wife finds a job, but if she finds a job we essentially have to keep her aunt around to watch our kid. I feel like I know what I need to do, but it will help if I can hear it from other people.  <response>: If your wife refuses to kick out her aunt, then wife needs to find ANY paying job and work it while aunt watches the child. Aunt can be in charge of childcare, housecare, and cooking as an offset to what shes costing you.Aunts children, if theyre out of school, need to be employed and contribute to household income. If theyre teenagers in school, they can take up mowing lawnsshoveling snow on the weekend for money. 