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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]The credit cards have the 30-30% interest rate. The 401K loans and car loans are 5%. 
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Sell a car and replace it with a reliable beater. Maybe both. There is no place in your new financial life for paying on two car loans on cars that are in danger of going upside-down. [/quote]

[b]This is bad advice. [/b]Keep the cars. No more restaurants and budget your groceries. Can you do without the dog walker or cut back? The exercise will be good for you even with a bad back. If you don't exercise and stay mobile over 50, you will end up with even worse medical issues!

We dug ourselves out of 100k of debt after daycare with twins. It is you and your spouse. Also don't totally take divorce off the table. Take care of your credit cards and increae your 401k as much as ypu can. Also if you have a joint account create and allotment to go to a seperate account where you can pay everything you need to. I am happy your DH is talking to you about money but if he wants to ruin his finances, he can manage that fine without you. Sorry to be harsh about that but it sounds like you have been trying to manage a bad marriage for awhile (401k loan) and it is okay to get a divorce. You need to be happy! [/quote]

It's bad advice on the numbers, but it is good behavioral advice. [/quote]

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