<prompt> Human: I am married and have a 16 month child, and a dog. My wife is currently a SAHM and we are living off my single income.Gross Annual Income: 87,000Net approx. takehome monthly: 4,600Expenses:-Rent: 1400-Utilities: 250-Car insurance: 150.00 for both cars-Food groceries: 500-Student loans: 1200 combination of mine and hers, mine is about 75 of that 75K btwn 4-725K around 6-Other child and baby expenses: 150-car loan: 250 0 for life of loan-gas: 180-internet: 50-netflixamazon: 20-phones: 120 2 phones-pet food: 20Total: 4290And this is not factoring other unforeseen expenses, cooking at home 99 of the time, and the only activities we do are free hiking, biking,etc.I have about 15,000 in savings.Any advice? maybe not enough info here, just let me know if more is needed to provide feedback.Thank you in advance.  <response>: Yeah those student loans are killing you. Maybe consider getting rid of one of your cars and being a one car family. Otherwise your wife probably needs to find some way to make income-- at least enough to help out with the student loans. 