<prompt> Human: Between myself and wife we have: 12k of credit debt 380 min payment 11 apr 12k car 308 min. payment10k student loans 100 min. payments. We make about 4000 a month including medical and plan out 900 a month for food, electricity, pet supplies, amazon credit card no interest, 350 left and rent is about 2000 a month including utilities. Whatever I have left over after all bills I put towards the credit card and the wife and I agreed to not use it until it was paid off. Used unbury.us and we can pay the credit card off hopefully in two years. I dont feel like Im making enough at 27 years old and falling into a depressed state of mind. Other than finding another job which is fairly hard to do with an agriculture degree Im trying to find some other way to fund or budgetplan better. I dont need health insurance right now, should I drop it?The rent is high because we have pets and live in Seattle. Living farther away isnt an option because of traffic and public transportation wont be running when I work late. I guess my real question is am I making as much as any other 27 year old would be? I make 17.50 an hour and feel inadequate in all the right places as most people in Seattle are making 50K around my age.  <response>: OP, I live in the Seattle area. Here are a few of my impressions:- You say that you are spending 900mo on food, electricity, pet supplies, and the Amazon credit card. What is the breakdown of that 900 ... meaning, how much is going where? It matters.- Electricity in WA is among the cheapest in the nation. Im thinking that has to be a relatively small part of the 900. If not, you need to investigate whats going on there.- Bring that food cost down! Start cooking your own meals and bringing your own lunch! My food cost is about 12 of yours for two people, simply due to cooking more.- By my math, you are making 34k in an uber-expensive city Seattle. Thats not good. Theres a reason why rseattle tends to look askance at people who talk about moving to the area for 15hr jobs. Its all fun and games if you are moving to an area where the rent is 900mo. Thats doable. But, when the average rent is more than double the above, you need to really know how to tighten your belt. Simply put, you need to definitely reduce the food cost. You CANNOT afford to live in the city in 2000mo housing if you are bringing in less than 50k; thats just real muhfuggin talk. This is your come-to-Jesus moment, and its time to get real about what you can and cannot afford.Also, if you are making 34k then that means the wife is making very little money as well. One or both of you needs to consider another line of work. Bartenders in this town make more than 50k, on average. Even picking up a part-time job can help with scrounging up the to put towards the card andor car. 