<prompt> Human: Hey Redditors! My brother has came to me asking for financial advice. Im always blown away with how money-clever some people can be on reddit, so Ive decided to ask for the communitys advice. Its quite a delicate situation so I want to make sure Im giving him the absolute best advice I can :My brother is 23. Hes a hard worker but never achieved academically. I love him but hes the first to admit hes not very academically clever. Hes tried further education, private tutors, learning specialists etc but he just seems to have a blank for retaining knowledge. He left school with no qualifications and got a job in a factory. He makes 1300 a month after tax. Works 40 hours a week.Pays 150pm car insurance 275 pm car repayment 5 years left75pm repayment on a loan still 2 years leftWhich means he has 800 left over per month not including gas around 120I have, and so has various hired job brokers, failed to get him a job. He has had his resume professionally tailored for hundreds of jobs but he cant seem to get any higher paid jobs than min wage due to qualifications and interview. Note: hes not special needs, just a bit of an airheadHis 32 year old girlfriend of a year discovered she was pregnant in May, the baby being due in December. She also earns 1300 per month.Has a 325 car loan also 5 years left Has 165 loan repayment 3 years left 100 per month car insurance They have no savings.She also has a 12 year old daughter. Also has no qualifications and also says she cant learn sigh. There current plan is that theyre both going to move into her parents home, who have 3 spare bedrooms and save for a deposit for a house. Theyll be charged 200 rent per month by her parents, exclusive of everything except food. They have no other financial plan other than well try to save what they can. Im at a loss of what to advise him as I cant really see a mortgage provider loaning them money unless one of them gets a higher paid job but that just seems impossible.What would you advise if this was your loved one? Thank you for your time.Assistant: They are spending almost 40 of their income on the cars. Selling both and buying one ok used car with cash would help quite a bit. Human: Of course a sensible option would be to sell a car, but they both claim they need their car. I think selling a car will become an option once they see how much a baby will cost. Ive never had a child so I can only make a rough estimate of how much to baby budget.  <response>: Your brother has 16K left on his car payments. Thats nuts. Shes got 19K. Those numbers are ridiculously high for people in their current position.They can both keep a car, its very convenient and can help reduce the stress of a family life. But paying that much for them? Why?! Sell them and get two 5K commuter cars with cheap running costs. 