<prompt> Human: I make around 32,800 and live with my dad, im 28 please dont be judgmental, I have a mental illness and have no bills except for an Amazon card account 132 left to pay off and my car 7,980 with 142.92month payments, 149 for insurance I need a better deal on insurance and my phone bill is 89. I just got a raise to that 32,800yr and wont be seeing the new pay difference till 2weeks. Im hoping its around 790-800paycheck. My mom says I should save up 1,000 just in case for emergencies but I really hate debt and want to pay my car of within about a yr.  <response>: Im with your mom. Even 1000 in ready cash solves a world of problems people run into every day. I agree with another poster that the right thing to do is pay off the Amazon card then save some cash then work on that car loan. Youll get a feeling of success from the first two.x200B; 