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No. of Recommendations: 9
Well, you could start convincing your wife by selling one of the 3 cars. Two people do not need three cars. It will definitely be hard to do this if she is not convinced of the necessity to cut back and work toward paying down the debt.

You'll get the best advice if you post your budget here and ask for specific advice on where to cut.

As for justifying things: I work hard too, and you know what I get for it? A 30% savings rate and a retirement nest egg that will allow me to retire at age 50. Now, you may not want to do that, and that is OK. The point is that you should you have a goal. Maybe "getting rid of debt" isn't enough. Think about WHY you want to get rid of the debt - then whenever you want to buy something, think about that goal, and realize if you buy today, you won't reach your future goal as planned.

Good luck,
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