<prompt> Human: Hello,I stumbled upon this sub and am seeking some advice. First, let me give a detailed account of what Im working with.Im 29 year old male, married without any children living in NJ.After taxes, I take home about 2,700. My rent is 1475 a month and my month bills come out to around 1400. Clearly, I cannot afford the place I am living in.The calculations of 1400month are a follows:Tithing: 300, car lease: 200, auto-insurance: 115, electric: 20, t-mobile: 85, internet: 35, grocery: 500due to wifes allergies, we eat organic, becomes a little costly, gas: 40. I have a IUL insurance policy for 100 monthly which I regret opening. I had opened this in 2014 before I was married and I am currently paying 15 above the minimum cost of insurance. My credit card debt is currently a 7K, I guess the only good thing going is that I do not pay any interest on it until January 2018.Quick background, I was living in NYC prior to moving to NJ, wife had surgery last year and has on going health complications restricting her from working. We are living off a single income of 40,000. The reason why we pay so much in rent is because at that time no other place would accept us due to our low income and we are stuck in a 1 year lease for another 6 months. I am currently, researching and strongly looking into moving to a different state where its more affordable. Im also looking for ways to bring in more income. My wife has started an in home business but that will take some time to develop. Finally, my questions:1. After speaking to my cpa, he estimated a return of 2,000 this year. He recommended that I allocate about 500 towards next years tax returns because at this current rate I will have to end up owing taxes fees and interest next year. I do want to start saving money and slashing debt so he recommended that I open up a ROTH IRA in which our current situation we will get a 50 tax credit towards the return. So if I put in 1000 into the Roth IRA, I will get a 2,500 tax return as opposed to a 2,000. Saving for the future, and aid from the government in a form of tax return credit. I really want to start saving for the future which is why I am considering opening an IRA account even with my 7K debt. Is this a wise option given my current situation?2. What the hell do I do with my underfunded IUL insurance policy that I am making minimum payments on? At this rate it will collapse in the future, as far as I know, the cost of insurance will go up and I am not taking any advantage of the compound interest cash accumulation. 3. Any other advice you can give me during this time would be greatly appreciated.As always, THANK YOU Reddit community!  <response>: I would personally stop giving money to the church, unless god plans on writing you a check for 7k. 