Where could I improve?

Where could I improve? I (31M) and wife (31F) have been scraping by since we’ve been married. Thankfully we only have 72k in student loans, and that payment hasn’t started yet. Between us we have 5 degrees and are looking at how best to utilize these to increase our income. Monthly take home income: $5100 Chase Visa: $4200 Min payment $200 0% for two more months Athl...

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