<prompt> Human: I just secured a new job and fell behind in fund to keep up with my debt. Is it a bad idea to just not pay my credit cards and other loans, and just save up some cushion room? Rn its worse than paycheck to paycheck for me. I have a 6 month old and I dont even have 20 in the bank. What should I do?  <response>: Letting this stuff lapse will crush your credit and buying power for 7-10 years. Dont let it happen if you can avoid it. Get a 2nd job and cut all expenses to bare minimum. Get rid of stuff like cable and internet. If you got a car, look for cheapest insurance, etc. Work hard and with some temporary sacrifices, you can do it. 