Husband and I made $190,000 last year. Make make about the same every year. We don't buy or do anything extravagant. Our vacation. Last year was to Santa Monica beach for 24 hours. We live in Las Vegas. Our house isn't anything fancy. We have normal cars but lease 2 cars. We are also 70,000 in credit card debt. We live paycheck to paycheck often. I'm tired of living his way. Anyone been there, done that? Are professionals needed?