Why the heck are you saving any cash when you have credit card debt, and how the heck did you get a mortgage with 50% back-load debt ratio? You need to cut bac

Why the heck are you saving any cash when you have credit card debt, and how the heck did you get a mortgage with 50% back-load debt ratio? You need to cut back on your spending, and with rent our your too-expensive house or walk away from your mortgage.