I'm not sure they can understand. They are upper middle class. So when I say I'm broke it's different. I don't have the ability to take from a credit card, or get a loan. They say it's just budgeting but that can only go so far. I don't feel like showing them our budget. Insurance is a 4th of our income. That's not gas or anything. So I guess no car. Get caught up on bills and figure out how to get around.