विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Dear Sir, Me and my wife are 39 years old, our total in hand income from salary is 1.3 lakhs. I have a car loan EMI of 28100, 4 yrs left in tenure. We have personal loan EMI of total of 25k monthly and 4 yrs remaining. We have invested in 3k monthly in PPF and 6k monthly SIP in MF (both of us incuded). We pay rent of 26k per month. Our kid is 2.5 yrs old and we have put him in daycare as we have to go office. Daycare expenses are 9k per month, including his 3 times meal. Petrol expenses are 7k per month (have to take our own car as using public/shared/office transport takes additional 1 hr to an fro from office). Broadband and moble connection together costs us 2.2k per month and Electricity is 1.8k per month. Remaing amount is spent in Groceries+Misc. We dont have any gold/own house/land/parents house or any savings left nor do we have any cash left. We dnt have any insurance for neither of us. Our child is growing and we need money for his education and futue, we need to buy a home for ourself. How to plan for our child's education and future and our retirement and our income and our future.