<prompt> Human: Hi,Thanks in advance for any advice you may have. Im 32 years old and have no idea how to dig myself out of debt or saveinvest appropriately to someday retire.I put myself through college by work and a loan with an awful interest rate. After college I decided to pursue my passions of working with people. I traveled and taught English to adults and children in two different developing countries for two years no savings, barely made enough to survive month to month. I returned to the US and worked for several years as a teacher and a coach making hardly any money. After some back luck incidents outside my budget that I was forced to put on various credit cards and realizing that I wouldnt be able to survive financially as a teacher, I started a job in sales. 3 years later I have been able to work my way into a fantastic job with a base salary I could have never dreamed of. However, I am still getting no where on my debt and not saving any money.Current monthly income without commission: 3,900 after tax and monthly Roth IRA contributionDebts this is the part that gives me panic attacks:College loan: 21,000Car: 7,882Bank Visa: 11,000Amex: 6,000Savings: 6,000 but I have no budgeted plan for how much I should contribute each month, nor is that sitting anywhere other than my bank savings account. I have no idea how to invest or where to start.The bright side is that Im owed about 45,000 some in AR past due, and some in AR current in commissions, but I only get paid when our customers pay and our accountingoperations department is horrifically negligent and so I am not even counting on that money at this point. Im living far beyond my means and recently added up the amount Im spending on eating out, alcohol, uber, etc. and its making me sick. Thats an obvious place to start but I still feel like the end is nowhere in sight.My monthly bills including the bare minimum on my loan and CC debt comes to 2000. I know that this is manageable if I reduce my spending habits, stop eating out, etc. But Im curious if anyone sees a way for me to pay off my outstanding debts, put away some money each month, and get back in line to actually retire someday. I feel like Im so far in debt and have so little savings, that Ill never be able to get my bank account to a place where I can feel proud. I just dont know where to start, or how to educate myself on investing and where to do it.I apologize for the length, but wanted to give as accurate a picture as possible. I appreciate anyone whos taken the time to read this far.  <response>: Your debts are really not that bad, but you need to get a handle on your money and spending to actually make progress on them, which means sticking to a strict budget. Check out YNAB and rynab, its been a lifesaver for me. 