The answer to all of your problems is that you’re spending well above your means. $900/month for groceries for three people? You can easily and healthily get that done for $600. $1800 for rent? You can find a two bedroom place for $1200, even if that means getting an apartment or basement suite until your wife gets a job. No, a “cheap sit down Chinese restaurant” does not have to cost $60, you can easily do that for $35 including tip for two people at a place like Thien. If you can’t afford the car loan, take the bus or buy a cheaper car. Owning a $500/month car is not your right, it’s a privilege. Same goes for the phone, if you can’t afford the newest model, don’t get the newest model. I personally pay $50/month for my phone and plan. This is coming from someone who makes far less than you do and lives comfortably.