<prompt> Human: I am going blind. As a result I am needing to make a lot of changes to my life. First and foremost I needed to attend a rehabilitation program to be able to still work without vision. I work in IT and am able to still do my job non-visually with the right tools.I had to move to a more expensive neighborhood recently to live near public transportation since I do not drive. I had been in an inexpensive suburb with no meaningful public transportation. I was able to put down 20.My primary goal right now is to mitigate my employment risk. As a blind IT professional, I can still work but if I were to lose my job it would likely take longer for me to find work again than it did before I lost my vision. People arent supposed to discriminate but they do. Before my blindness I was very confident in my ability to find a new job if needed within 30 days as my skillset is in high demand. My short term goal is to make it so if I was unemployed for six months it would not be a financial crisis for us. Long term I want to work towards the goal of being able to live off my wifes income so if I decided to work in a different field I could take a smaller salary and still meet the needs of my family. I recently sold our second car and paid off the loan we had on it.Income:80k base salary me I do get stock and bonuses but I dont want to count on that for these calculations36k salary wife - this will go up to 47k in a few years with no promotionsDebts365k on mortgage 4.7511k 6.25 personal loan for a business we are no longer operating 7.2k 5.45 on our primary vehicle16k 6.8 student loans wife6k 5.6 student loans meI have no credit card debt. What should I be doing first? I think I need a larger emergency fund than most, and I only have 12k saved for retirement so I know I need to make some aggressive steps there, too.  <response>: Sorry. I dont have finance advice but know that you are not alone fighting this fight. I am right there with you and I understand the pain and struggle you might be going through. 