<prompt> Human: Next week, Ill be starting a new job that pays over 50 percent more than Ive been making over the past 4 years -- an increase from 45k to 70kyear. While I understand this certainly isnt a fast-track to instant wealth, it is much more than I expected to be making at this point in my career, and Ill be sitting at a 30 DTI.The big read: responsible questions that come to mind: How can I best eliminate credit card debt about 6k lowmedium-level interest? Should I try to tackle my sizeable student loans 150k, FASFA or simply continue with Income Based Repayment yes, I know any amount forgiven after 20-25 years will count as income? What is a good strategy for starting to building up my Roth IRA already contribute 5 percent to 401k? Am I at a healthy spot to start introducing some new practical purchases home improvements, appliance upgrades, etc.?  <response>: If you have typical 20 interest credit card debt, you should pay all of your incremental raise income towards that until it is gone.Your student loan payments will go up as a result of your new income. You may want to hold off on spending the money you got until you finish paying off the things you bought before you had the money to do so. 