<prompt> Human: Longtime lurker here looking for some advice. Im M24 a chemist who just started a new job making 55,000 per year. My wife 25F is pregnant with our second child due in March, and she brings in roughly 1000 per month babysitting, selling online, etc. Together with our daughter 2, we live in an old 800 sq.ft. duplex, but we are hoping to buy a house next year. We currently are 4000 in debt credit cards and have one vehicle leasing for 360 per month. In the coming year, I want to pay off my debt, buy a second car with cash, and purchase our first home, if possible. Below are listed my bills. I need help coming up with a budget that will help me the most use my money wisely to achieve these goals, and some advice about what to tackle first. Thanks in advance. Net monthly income: 4000 I put 10 in 401K and our insurance comes out of my check Rent: 485 very fortunate here Car Lease: 368 too much I know, would love to get out of this, but stuck 2 more years Car Insurance: 95 Phones: 150 Internet: 50 Electric: 160 WaterTrash: 40 Credit Card minimums: 120 Gym: 70Thats a total of about 1600 per month in bills, leaving 2400. How can I budget this to quickly buy a second used, cheap 2-3000 car, pay off my debt, and save for a house down payment? Not included were food and gas, because I havent really been able to budget them well. Oh, and I need a second car because my new job is 40 minutes away and my wife needs the car throughout the day. Shes been dropping me off everyday, since I dont have anyone to carpool with or the option for public transportation here.Also, Ive got zero emergency fund, and can borrow from my 401k for my down payment up to 15,000 if i need to. No other savings or debt.  <response>: Post a full budget. You never eat? Never buy anything for your kid? Never do anything fun? Planning to use 2400 to save and pay of debt is pointless because its unrealistic.Look into those lease trader sites. 