Looking for advice here because I don't really have anyone to refer to in my personal life. I'm in my thirties, married, with a toddler.
I really want my child to have a future... but as things are, financially it looks like a dead end for my family. My wife and I combined (in the past) pulled in approx 90-100k (the average rent where I live is 2,700 for a single bedroom family). I can't get rid of my car expenses either because I need it for work. This year has been extremely rough as she went on maternity leave (one year off with 55% of her usual pay) and is now back in school. All of our savings have been depleted and we have accumulated debt.
The first mistake I made was never comp