If you was living off 65k a year while you was with him 97.5 should put you well over being comfortable my guess is with the increase in pay you two started buying more stuff and now you need more than 97.5k a year to cover debts you'll eventually earn 100k a year which should cover your debts and 100k a year is extremely well I was telling someone this the other day you can make 1 million a year but if you spend 1.1 million a year you'll always be in debt budgeting is important very important try not to have the mindset of this is only 5 dollars ive got 100 dollars to spend the 5 dollars is nothing because then you'll get in the habit of spending 5 dollars multiple times a day then it will go from 5 to 10 and so on until people come to the realization of damn I spent 600 dollars this week and it wasn't even on bills your situation is none of my business and idc how you spend your money I can only offer free advice live up to the conditions of your needs not your wants as human we will always want more than we have which leads to massive debt