I just wanted to say that I truly love this forum and the belief system behind it. With that being said, We need help. We have spent more than we have made for many years and it is finally catching up with us. I'm really not sure where to begin. I have always thought of myself as having a handle on things, but, I guess I didn't. I am starting a new job this week, the pay is low with me, but, It has been. My wife and I together, bring home over $80,000. I know this is enough money to live comfortably...I have begun tracking our accounts on Mint. I have heard good things about YNAB, but, Honestly, I don't think I would enter every transaction. We know we need to cut back, Just looking for a start. Thanks!