$50k in credit card debt is crushing me

Brief summary:

• $350k mortage at 2.75%, covered by military pension and disability

• One car loan and one lease at $1,000/m (doesn't give balance, remember this part for later)

• $50k credit card debt, $2,000/m

• Special needs kid, receives unknown amount from state. Wife stays home with him.

• Works for Fedex

Thanks that make you go

my wife worked door dash for 6 months in 2021 to finance 1/2 of an overseas trip (see below).

The thing is my job now is the first one I’ve ever had where I LOVE going into work. I’m probably worth more elsewhere but I currently have a lot of perks (company vehicle, unlimited PTO) that would be hard to let go of.

Go with a consolidation company. My wife did this 2 years ago with her debt. But her credit score suffered, we had collectors calling. She even got served by one bank but collection company worked something out with them as they do I guess. She’ll be done paying them next year.

I have a huge video game collection that I’ve amassed over the past 15 years. I could probably sell half of it over the course of the next 3 months and make about $10k. I’ve actually started doing this within the past week.

Our dinning out used to up to $1200 a month. Now we cook at home almost exclusively. In 2019 I spent about $4000 on video games, buying vintage systems and games. This year I bought the latest Zelda game, that’s it. We do like to travel. But we (my wife) has finally excepted that our planned trip (overseas again) this fall, is not going to happen.

As for the car they purchased while being provided a company car(?):

The car is a 2022 and this year they came out with a new model and drop the price by a significant amount which in essence makes my car worth about $15k less than I owe on it currently.

From what I can tell with some really rough math, I think this guy is making like $40k a year as a Fedex driver. He never says so I'm not sure. But the wife says it's time to man up:

Yes I agree. My wife is a very intelligent person but she is also very stubborn…VERY! Her current stance is my main goal should be looking for a higher paying job.