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I'm a bit confused. Do you mean the HELOC has the potential availability on it for $177K, but your debt is less? Or that it has some maximum available draw, and of that you have $177K in debt?

In any case...I agree that you should sell the 3rd car. Any one of the three actually - whichever will give you the biggest net increase (sale price less debt payments to car). For sure you don't need three cars. You may not need two, depending on your situation. Apply that $ to debt paydown.

As for the rest...
1. set clear goals. What do you want to achieve and by when? What are DW's top priorities and spending concerns and what are yours. Align expectations.
2. design a budget that allows for debt payment and funding of an e-fund.
3. Track budget monthly to keep yourself honest about what you planned to spend/save and what you actually did spend/save.

If you post more detail on your budget you may get more feedback.
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