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@dr_tan Roll that negative equity into a cheaper vehicle and drop that payment considerably (think 9/10k payments vs 19k payments). It's not cool, and it kinda sucks, but that's cars for ya. I'd recommend a Toyota Matrix or Corolla of the 2003-2010 variety. Does your SO know what's going on...

@dr_tan I'm not a financial guru by any means but if I were you.... It seems overwhelming but you can certainly make it work. Lets go with the freebies, if you can, cancel your gym membership and go on base. There's 50 a month. Next I'd go with the car, sell it and get a cheap-ish (think...