<prompt> Human: I went to a 45kyr college 10 years ago. Ignoring the terrible decision I and my parents made, economy bust and poor career track, Ive survived thus far and encourage others in debt to not give up hope. That being said, Id appreciate input as to how youd tackle this. Beginning a new job 60kyr Monthly living expenses total 1700 my share Student loan 1: 21k 8.99 Student loan 2: 14k 2.5 Auto loan: 2500 7 Student Loan 3 in parents names: 80k not sure of interest atm Savings acc: 3k MMA: 4k Checking: 2k New Job will match 4 in 401KAll bills and payments have been on time, nothing in deliquency. Large loan in my parents names has been on forebarence, as they dont have string incomes but we consider the debt shared. They have made much larger sacrifices in their standard of living than I have. Im planning to start a family soon, as well.Id like to know how youd tackle this and appreciate advice. Assistant: Im planning to start a family soon, as well.I would keep your pants on until this mess is entirely or largely cleaned up.You need to increase your income second job?, live on rice and beans, sell possessions that arent needed, dont put any money into retirement savings yet other than maybe enough for 401K matching, and aggressively pay down the debts, smallest dollar amounts first so you have the psychological benefit of knocking them out fast. Consider the savings account your emergency fund for the time being. This is no time to have kids because they are expensive.Human: On paper, youre absolutely right about kids, but many aspects of our life have been put on hold and kids is one that will need to start soon, so Im trying to realistically plan around this.Edit: thanks for the input, its much appreciated.Assistant: I can understand the disagreement with the decision, financially, but downvoting because Ive responded saying I want help with financial planning and one aspect of that is including the cost of kids doesnt make sense to me.  <response>: Kids are often not a financial decision. In this tread it does cause some angst. But there is some biology at work here. There are many benefits to having kids when you are older and secure financially but there are also benefits to doing so young especially physically on the mother. I had 3 kids in grad school and people thought I was nuts. 4 years out of school and ill pay off my mortgage next year. The heart of personal finance is to understand the financial choices you make and choose the one that fits you knowing the consequences. It will be difficult but its fathers day and Im beaming today. 