<prompt> Human: So I have found myself in a position of being in serious debt after about 4 years of home ownership, bad spending, and life in general. Luckily I make enough money that I can make all of my payments on things, but I need help with this as I feel I am losing control of the situation quickly. I am not behind on any payments of anything, but I dont know where to start to pay things off, how to budget, or anything. The details are:Debt: Mortgage - 2126 per month, interest rate 5.25, owe 279,982 Car payment - 290 a month, interest rate 2.99 owe 12,110 Motorcycle payment - 211 a month, interest rate 2.49 owe 8,837 Credit Card 1 - Owe 7,321, interest rate 4.99 for 8 more months Credit Card 2 - Owe 4,016, interest rate 15 Credit Card 3 - Owe 447, interest rate 22 Student loans - Owe 23,828, about to be 33,900 as I am working on my masters still, interest rate 6.5 Line of Credit - Owe 8,900, interest rate - 8.15Assets: 401k balance - 29,975. I contribute 12 of my income to it. Traditional IRA - 22,068. Im making no contributions to this at this time. 7,132 in brokerage account all smallmid-cap stocks 675 in CheckingMoney coming in: 5,890 per month in bring home income. 500 per month from having a roommateRecurring monthly payments not related to debt: Insurance: 179 Gas and Electric: 260 Internet: 50 Groceries: 200 Gym membership: 70 I use it religiously, so not an option to get rid of it as it brings me much happiness Brokerage account: 200 transferred to my account, 160 split between my two nephews custodial accounts that I setup and manage. Please help me get started. Im pretty much not good at saying no to things. I go on vacation regularly, I have expensive hobbies, and some times I spend money on crap. I am trying sooo hard to stop doing this though and to stop buying crap I dont need. Edit I have cut my 401k contribution to 6 and I have stopped the recurring transfer of 360 into my brokerage accounts monthly. Assistant: How old are you? Are you single?If youre young and single then, assuming you dont get an employer match up to that 12 401k contribution, you are probably contributing too much to your 401k and IRA. Youre losing 15, 22, 8.15, 4.99, and 6.5 on your debt while your retirement accounts probably wont grow at those rates. Best to reduce that 12 401k contribution and use the paycheck increase to pay down the 22 debt, then the 15 debt, then the LOC, and on down the line.You also may have missed a golden refinance opportunity. See what you can qualify for anyway.And stop spending so much on crap!Human: I am 32, I am single, no children. I have a 6 match, but have golden dreams of retiring much earlier than 60. So I have it setup to automatically increase 2 every year so any raises I get in income go to it automatically and I never realize the money is gone.I thought about refinancing, but the cost of it was around 7,000 and I didnt think it was worth it as I hope to sell this house when I graduate in about a year and a half.  <response>: Youre never going to get to 60 if your savings increase at 5 while youre paying 15 or 22 on your debt. Paying off your high-interest debt is a much more useful strategy for saving for retirement at this point than contributing to your 401k 6 more than your company will match. 