<prompt> Human: Ive just completed nursing school and I am now employed at a hospital in Florida at the rate of 25hour. I am limited to not exceeding 40 hours per week during my 10-12 week orientation period, after which I am able to pick up overtime shifts at 37.50hour if I desire to. Heres a quick synapses of my situation: Myself, wife and 3 month old baby. 850m rent from family friend, no lease. Wife stays home with baby but is not against a work-from-home or side-hustle opportunity. I work 3 days per week, 13 hour shifts. This gives me 4 days per week to explore extra income to help my situation. Through the last 18 months of college, weve reduced our savings to nearly zero 138 dollars as it sits. Weve increased our credit card debt to nearly 90 utilization. Somewhere around 14,000 for me and likely the same for my wife. That last sentence was hard to type. I am expecting my new income to be approximately 4000month gross. And I am hoping around 3300 after taxes I claim 3 allowances, and there is no state income tax, 250m health insurance. I need to rebuild my emergency fund obviously, but I also need to start paying off these atrocious credit cards. They are all pretty high interest, in the 18-24 range. I have read the avalance and snowball method and will be implimenting one once I get my first check in early October. I have a balance transfer card which I will need to pay down first before the 18 month zero interest rate expires. I have about 6 months left and its around 5000. This should be easy to pay off. How would you go about balancing rebuilding the savings and paying the debts?  <response>: Normal advice is save up 1,000 cash as a mini emergency fund. This is basically an oh shit fund if things really hit the fan. Put the rest of your cash towards your debt. Worst case scenario if you have another emergency you can use the cards again, at least you will have saved some interest.x200B;Paying off the cards you generally want to pay off highest interest first, and minimums on all the others. Some people advocate paying off lowest balance card first, this gives a psychological benefit for some people, although its not the most efficient financially.x200B;Assuming the balance transfer card doesnt have retroactive interest I would just pay minimums on it and deal with it when it starts charging interest. Just put it in the cue with all the other cards and focus on whatever is highest interest.x200B;Once the cards are all paid off save up a 3-6 month emergency fund and start making retirement contributions. 