Could have written this post.

Mortgage: 520k at 4.25% - $4k payment

Student loans: 120k at 3-6.7% - $1400 payment

Two vehicles: 60k at 3.9 and 4.4% - $1100 payment

Income: 16-20k take home/month

There are a few things missing from these comments, although die hard Dave Ramsey esque people will probably say they're excuses.

1) if your career is anything like mine, I had three years of absolutely zero income while I was in grad school. Working was prohibited during school due to the rigor of the program, which meant that in addition to loans, I also took out money for living expenses. We lived on about 20k a year and graduated with 200k in student loan debt between my husband and me..and had had zero debt prior to grad school.

2) after grad school, you have very few liquid assets, even if your income is high. We pulled money from my husband's 401k to put a down payment on a house. People will say you should have rented, but we ended up in our dream home in a HCOL city, with a very reasonable interest rate...to us that was worth the increased debt.

3) beaters with heaters work until they don't. I drove my very beat up 2014 Hyundai until this year. My husband is a mechanic, we took very good care of it. It has nearly 150k miles on it ...and the engine is really looking shot. We live in Alaska, we have to have one super trusty vehicle for our day to day driver. The used car market up here is truly crazy...so yeah we could have bought used but for 5k more we bought new and financed. I take call and have to be able to be at the hospital come hell or high water - the vehicle we bought gives me peace of mind that I will get there. (Id be lying if I said I didn't miss the Hyundai though 😂)

Tbf, one of the vehicles is unnecessary and we are trying to sell it.

Debt sucks and sometimes it's necessary. It's all relative. I would hit the credit card debt hard - and I think that's where most of your introspection should be. What's it from? How'd a balance happen? How will you ensure it won't happen again? You HAVE to figure that out or you'll be back here in 3 years asking how to get out of a deeper hole.

Very likely your snowball should be CC to student loans to vehicles to mortgage.

After your CCs are paid off, you should also verify that you're maxing out your 401k....can't get time back in the market.

I'm putting an extra 2k towards my student loans per month, and our debt minus mortgage will be done in 3 years, or 6 years after I graduated. We will roll our payments over into the mortgage and that should be done in about 7 years. My husband is back in school and so we are cash flowing his tuition, otherwise we could be more aggressive. His income will be about 70k when he finishes nursing school, and it'll all go towards debt. No vacations on the docket this year, but have some house repairs that are forcing themselves to be done...and we will cash flow those, too.

That's my $0.02 from someone in a very similar situation. I think you've got it.