<prompt> Human: Hi all - long time lurker, first time poster. My husband and I have kind of hit a stand-still where he wants to start trying for a baby, and while I wouldnt love anything more, Im scared because of all the debt we have! That being said, Im also afraid to wait too long to start trying and that we will NEVER be debt free. This is sort of a two-part question. Im pretty familiar with the debt-avalanchedebt-snowball and hope to use that to start paying down some debt but Im just hoping im not missing something. Our IncomeOur bills: Our monthly after-taxesretirementhealth insurance income is approximately 7500 We have a mortgage which is 2150 per monthMonthly payments gas, electric, cable, etc totals 400I have 3 student loans with interest rates 5-6.5, totalling 30k with monthly minimum payments total 350We also have approximately 900 in minimum credit card payments see nextMy Big issue, CREDIT cards: We have 3 credit cards which im sorry to say have higher balances that I could have ever imagined. One has a 4k balance but a 24 interest rate and for that reason is my priority to pay off. The other two total about 36k and have interest rates of 14.3. My question! is, should I try to transfer the two credit cards 36k to a different account with a lower interest rate? I dont know if this is important but they are both pretty way over their credit limit. So I dont even know if thats possible. Should I Can I add these balances to my mortgage instead 3.5 interest rate ? Right now I have over 900 a month in minimum card payments. Would it be irresponsible to try to have a kid right now? How much debt is a responsible amount to have ?  <response>: You need to figure out where the rest of your income is going. You listed only 3,800 900 of which are minimum payments on your CCs. You still have 3,700 unaccounted for, and if you were able to apply 2K out of that towards your cards, youd be out of CC debt in less than 2 years. List every penny spent, and people here can give you good suggestions on where to cut spending. 