Step 1: don't spend what you don't have.
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Change the religion.
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When you make over $200k a year and only have 2 kids I’m sure it is pretty easy to tighten up and pay off debt

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This is so overdue for holidayholics who go crazy in debt every Christmas. I have close relatives among them. They're the ones who have the tree and decorations up before Thanksgiving and start playing carols even earlier. And don't get me started on the endless Hallmark movies.
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You’re right. What should we do?
End of conversation
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Don’t buy stuff you can’t afford?
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