<prompt> Human: I just recently paid off all of my school loans was at about 29k less than a year ago.I am firmly against 401kIRA investments for personal reasons.I currently work as a contractor with a salary of 167k, or rather an hourly rate of 80.Putting in 40-48 hours a week and started working here about 1.5 months ago after leaving a different full-time job with a salary of 85k just 4 weeks into starting that one.Before that job I was at another job at a 82k salary for about 3 years.They want to convert me full-time come Q1 2014.Im expecting the real salary will drop to around 110-120k.I overpay my auto loan by around 120 every month I drop 640 consistently.Now that I got my primary to me that means debt that I want to get out of the way right away so I can forget about it debt taken care of in regards to my school loans.. Im currently putting 65 of my paychecks to savings and the other 35 toward my credit card 14.9. The monthly auto payments come from the savings. Should I be putting more toward my revolving debt or just let it slowly go away? Its at 16k out of the 23k limit. Or should I stick with what Im doing? I was thinking about splitting the paychecks 2080 with the majority going to my card for at least quarter one of 2014, which should cut it down to easily under 6k with some regular spending and mild splurging. I feel like if I continue to contribute 65 or more toward savings and handle being in a 40-60 debt ratio on my card for another year, that by the end of the next year I can buy a townhousehouseland.Some other random tidbits.. - I had defaulted on two credit cards from my freshman year in college, which should be off my record come 20142015. - I only commute 4 miles one-way to work so gas isnt high on my monthly expense list even though I get 15mpg combined and put premium. - Im 26 and live at home with my parents. - California resident. - College dropout. - Auto loan was initially 35k about 2 years ago 8.7. - No longer have a girlfriend sad so no more girlfriend expenses happy. - Regularly per month I only spend money on food I eat out at least 10-12 times a week at fast food places, toys for my dog, and random Kickstarter projects Ive backed. Oh, and a 29.99 monthly gym membership. - I do want to buy an ATVquad next year as a new toy roughly 8k and will take out a loan for it most likely. - Savings is at 5k and basically my emergency fund; I know its low, but thats because I was aggressively paying off my school loans for the better part of the whole year this year. I expect itll rise rapidly now if I continue with a 6535 split.  <response>: I am firmly against 401kIRA investments for personal reasons Thats not a good enough reason. 