<prompt> Human: Hi Personalfinance! SO heres the situation: 23, recent graduate, Working the service industry because its fun, I know a ton of people through it and works around my schedule and love for travel.: 2000 in basic checking no frills about it at a large bank 3500 in a Money Markets savings account, .03 interest. 785 Credit Card Debt, 1500 limit. Card 1 14.24 interest. No rewards, no nothin. 1000 Credit Card Debt, 2000 limit. Card 2 15.24 interest. Airline miles 1 1 point 57,000 in student loan debt. very good private university, Bachelors in Urban Environments, oh the job market horrorI make roughly 35,000 a year. Bartending and serving in a large city and work three jobs 40-45 hour a week. My Expenses: Rent: 465 roommate situation, rent stabilized Electric: 25 Gym: 20 Health Insurance: 110 Credit Card payments: 200 Student Loans: 217 --- 1037 rounding 1050 Other expenses: Eating: 300 DrinkingEntertainment:200 Saving: 400 Commuting: 50 I bike most everywhere --- 950 The rest goes towards weekend trips, taking leisurely classes and buying stuff I absolutely dont needThe questions are?1. I want to balance transfer credit card 1 to a new card with rewards. Ive had this card for over four years and never once missed a payment. Is this a foolish idea?2. Student loan debt is scary. I want need to get a masters in about four years if I want to continue to pursue my goal of becoming an urban planner. I just dont know if I can stomach more debt. How should I tackle this debt with this income?3. I want to move to Australia next year for a year on a working Holiday visa. Should I go without credit card debt, and how much do you think I should go with? Any Aussies out there know how the urban, city planning job market is in Melbourne?4. Is my spending unreasonable? Where could I improve?5. Investing Ideas? Land, IRAs, Stocks?Thank You!-Edit- FormatingEdit Thanks everyone for the advice. Sometime you just need to be shown with cold, hard internet words that youre being a tad irresponsible. Those credit cards debts will be the first to go!  <response>: I can only echo what the others said, stop carrying a balance on your credit cards! Its expensive and just like peeing your pants, it might feel warm and nice for a minute, but you will soon regret it. 