Drowning in debt means the job is inadequate :-\

Paycheck to paycheck is sort of fine, if you can still dedicate the time to your WoW clan, or your music, or your writing, and be happy about that. Well, to your kids, not expecting anything tangible in return.

If the day job expends all motivation, all your energy, and it + the commute eats all your time, then again it's an inadequate job.