<prompt> Human: So Ill start this off by saying Ive read several of Dave Ramseys book, familiar with budgets, read the How to handle money post... of course I just cant seem to follow through for more than a few months.Heres the dillema - wife and I have pretty much zero savings and we are basically living paycheck to paycheck. Due to poor decisions and a bad relationship in the past my credit is terrible. We want to move to a different area closer to our kids school, but my past credit is not helping that. We drive our kids to a different school district due to poor schools in our area.Heres the facts:Combined income of 130kHome inherited through family - owe 120k, value is 250kCabin inherited through family - paid off - value is 175kI had a good chunk in retirement - 0 left now after pulling out for homecabin repairs weddingCredit cards - 9,500Some of my other bills:Internetcable for both houses- 200monthElectrical for both houses - 200month in winter usually up to 300-400monthWife and I both have newer cars - 1000month in car paymentsUp until this month - roughly 1100month in health insurance costs this is going down to 400month due to job changeFood - Family and I go out to eat somewhat often - I go to lunch with my coworkers almost daily.Wife, kids and I often almost every weekend when the weather cooperates go to our lake home, which costs us around 150trip. Between gas, food, etc. Weve got a lot of hobbies. Im and avid outdoorsman and I like gadgets.I know for a fact Iwe are spending way more than we need to. Im working towards not going out to eat for lunch or if I go out set a much lower limit for what I can spend e.g. 7 instead of 15.Should I look into refinancing my auto loan? The rate is very high...Is buying a new home currently a bad idea? It would get us closer to work and our kids closer to school.Should we be talking to a financial advisor? Any help would be appreciated. Im beyond stressed out...Assistant: IMO, you guys simply cant afford two homes.Human: The wife wont give it up since it belonged to her parents that have passed. Their ashes are spread on the property. Its too much sentimental value to her.Assistant: Just because it has sentimental value doesnt mean you can afford to keep it with your current financial situation.If you insist on keeping something you cant afford, then you need to make it affordable by making major cuts elsewhere, or by earning a lot more money.Human: I totally get that. Just saying myself and others have covered the second home aspect with her before, she isnt willing to get rid of it.  <response>: she isnt willing to get rid of it.What IS she willing to get rid of? 