Scheana’s budget: Over $18K monthly just on home payments

Scheana, as the sole earner, manages over $18,000 monthly in mortgage and property tax costs, with an extra $7,000 covering insurance, utilities, and childcare—resulting in significant paycheck stress.

Wow, these costs are staggering! I’m wondering if there might be a way to restructure or refinance to ease the stress. Has anyone seen alternatives in similar situations? Would love to hear your thoughts on getting some breathing room financially.