I think society tells gus to “work harder” to fix our problems, which is why we end up juggling three jobs or piling on debt consolidation.
In my view, we need to fix our mindset first if we want any lasting financial impact.
Short answer: get a clear picture of your family’s spending, track every dollar, and have a sit‑down with your wife (only if she’s willing). Go through each spending category and spot what you can cut for the next 5–10 years.
Doing that makes debt‑consolidation a lot easier and helps you avoid falling back into overspending. Hope this helps!