<prompt> Human: My wife and I are 40, have 6 kids, owe appx 360,000 on home, 39,000 on vehicle, about 20,000 in credit card debt and we make about 120,000year combined. I currently invest 2 into stock purchase plan through work and 6 into 401k. Wife has no retirement funds set up. Should we stop I vesting in retirement and pay off at least the credit cards ASAP or try to accomplish both at the same time? Assistant: 420k of debt on 120k salary?!? Yikes.Contributing just 8 of one of your salaries for retirement doesnt seem like enough, so I wouldnt cut that back at all.It sounds like you need to cut back your budget.. A lot! Stop buying 50k cars. Do you realize that a lightly used pre-owned car would likely be half that price?Take a serious look at your expenditures and cut back. Use the money you save on cutbacks and throw it all at your credit card debt.Human: Bought a slightly used suburban to cart the 6 kids and tow the camper still cost 40,000! I was not really aware of how out of control the credit cards were getting until recently which is why Im asking this now. We have 6 years left on the truck, 15 years left on the mortgage.Assistant: Yeah, I dont think ugizram84 considered that your towing needs when he told you to buy a cheaper car.Carry on.Human: You can get a used 6 passenger vehicle for under 40k easily.Assistant: I was joking -- maybe he should ditch the camper instead of buying 50,000 cars to support it.Human: Camper paid for, no debt there. Its actually 8 people total: wife and I plus the 6 kids  <response>: no debt therewell, apparently you have to go into additional auto debt to haul the thing 