<prompt> Human: I have just got my first job since I went back to college, I have a 70k base salary with up to 4,800 as incentives. I have a credit card that I maxed out at 1,000. I have 38k in student loans. My current fixed costs are actually pretty low. I pay 550 for rentutilities, 100 for my phone, and 100 a month for my public transportation costs, i spend around 200-300 on groceries per month. How do i proceed from here to set myself up best for the future.  <response>: Prioritize the credit card and paying your student loans. Do not get married, and always use birth control. Enjoy! 