what is my best way to tackle my 32000 i credit ca

Need more info. Please list out your income and each individual expense (balance and how much you're currently paying monthly). What's your goal? To pay off the 32K? Do you care about your credit rating? How's your credit right now? Is that 90K income gross or net?

I do not think you need a boat if you have that kind of debt unless the boat is your livelihood. Get out from under that first. Then focus on the smallest credit card and pay that off. Use the money you used for paying that off to pay off the next smallest one. Then take both those amounts and pay off the next and so on up the ladder. This will take a couple years but a couple years go by fast. I was out of work for two years. It seemed like a couple months. Trust me on this. It does work but it is a long term commitment. It took you years to get there so it will take years to get back. It will take the same commitment as body building. In what seems like no time you will be financially buff.

Yup, I fully agree. Get rid of the toys and stick with the necessities.

Exactly why I asked for specifics.