<prompt> Human: My wife and I late 20s sat down yesterday to do a household budget to see if we could afford a small vacation with the in-laws this summer. We found that we not only cant afford it, but were in serious trouble something weve always known but seeing it on paper really drives it home. Our debts CC, car, student loans, childcare, mortgage with the addition of our necessities utilities, groceries, etc. equals our total incomes combined. We have no wiggle room. No surplus to create savings, put away for retirement, or invest. Our debt is killing us. I just dont know what to do. I work full time but my wife only works part time due to taking care of our kids cheaper than working full time paying daycare. I know theres no magic potion for this, but how can we create more income or get rid of this debt? Neither one of us have no extra time in the day for an extra job. Were not eligible for bankruptcy obviously. Should we do a consolidation loan for the car, CC, and student loans? Something? Anything?  <response>: I work two full time jobs so my wife can stay at home with our daughter. No magic way. Get a better paying job or get another job. I work 80 or more hours per week, last week 102 hours. Even a part time stocking job a few nights a week could help the budget. 